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In the recent case Skunk v Ketash, 2016 ONSC 2019, the Ontario Superior Court of Justice examined the availability of uninsured and underinsured coverage to a policyholder’s spouse where the vehicle is operated without the consent of the owner.

http://www.millerthomson.com/en/blog/ontario-insurance-litigation-blog/automobiles-owned-by-the-insured-or-spouse