Author Archives: Admin4

Prabaharan v. RBC General Insurance Company, 2018 ONSC 1186 (CanLII)

 

[10]        In the present case, the plaintiff retained and instructed most of her experts well in advance of the scheduled January 10, 2018, PTC. She served a series of medical and other expert reports, and addenda as follows: on September 5, September 18, October 20, October 31, November 21, December 3, December 18 and December 27, 2017. While not all of these reports were served 90 days before the PTC (and some were not required to meet that deadline because they were addenda) it is apparent that the plaintiff was endeavouring to disclose her case – and in particular the requisite medical and expert evidence – in advance of the PTC.

[11]        By contrast, the defendant served no expert reports prior to the PTC. The defendant did not take any steps to request the plaintiff to attend for or to arrange defence IMEs until less than one week before the PTC. Indeed, according to defence counsel, the client only provided instructions to proceed with defence IMEs one week before the PTC. Fearful that the defendant’s delay in doing so might jeopardize the timely trial of the case (due to the possible inability to obtain reply reports) plaintiff’s counsel declined to produce his client for examination. The result will likely be a Master’s motion to compel such attendance, another consumption of judicial resources. Had the defendant requested an IME on a timely basis, this problem would not have arisen.

[12]        The defendant’s failure to serve its experts reports on a timely basis – or even to take any steps in furtherance of this obligation – was a flagrant breach of the requirements set out in rule 53.03(1) and (2). An experienced litigant such as the defendant, cannot defer indefinitely its duty to provide responding expert reports. Indeed, it smacks of unfairness for such a party to, on the one hand, require the plaintiff to provide medical evidence to meet the requirements of O. Reg. 461/96 as amended by O. Reg. 381/03, yet be unprepared to disclose its case on that fundamental issue in response.

[13]        The other, obvious, consequence of the failure of the defendant to serve any expert reports as required by the rules was that there was no responding material for the other side or the presiding judge to evaluate and discuss at the PTC. This had the effect of impairing significantly the PTC settlement process. As commented previously, whether this is a case that could have settled at the PTC stage is impossible to know, because the defendant failed to comply with the rules.

“No question” that Aviva Canada plans to hike auto rates: CEO

There is “no question” that Canada’s second-largest insurer, Aviva Canada, is contemplating country-wide rate increases in personal auto, Greg Somerville, the company’s president and CEO, told Canadian Underwriter Thursday.

https://www.canadianunderwriter.ca/insurance/no-question-aviva-canada-plans-hike-auto-rates-ceo-1004127570/

https://www.canadianunderwriter.ca/insurance/intact-expects-to-raise-rates-for-some-types-of-insurance-in-wake-of-harsh-2013-1002903685/

Social media posts not always part of litigation

Photos and other information on a protected portion of an individual’s Facebook page invoke privacy interests and will not necessarily be produced to the defence in personal injury litigation, an Ontario Superior Court judge ruled last month.

http://www.lawtimesnews.com/author/shannon-kari/social-media-posts-not-always-part-of-litigation-15311/

Lesage: court puts insurance industry ‘on notice’

An Ontario Superior Court of Justice decision ordering an insurance company to pay full indemnity costs of $72,000 sends a strong message to the industry, Toronto litigator Michael Lesage tells AdvocateDaily.com.

http://www.advocatedaily.com/michael-lesage-lesage-court-puts-insurance-industry-on-notice-1.html

Despite unanimous Queen’s Park vote, police are still disclosing unproven allegations against innocent Ontarians

More than two years after passing legislation protecting innocent Ontarians from having unproven allegations, mental health incidents or withdrawn charges show up on their police record checks, the proposed law remains unenforced.

https://www.thestar.com/news/investigations/2018/02/20/despite-unanimous-queens-park-vote-police-are-still-disclosing-unproven-allegations-against-innocent-ontarians.html

Plaintiffs must prove chronic pain is serious impairment

Two recent decisions of the Ontario Superior Court in so-called “threshold motions” suggest that it is still a high legal bar to show that chronic pain suffered by plaintiffs after a motor vehicle accident will meet the “serious impairment” standard set out in the provincial Insurance Act.

http://www.lawtimesnews.com/author/shannon-kari/plaintiffs-must-prove-chronic-pain-is-serious-impairment-15314/?utm_term=Plaintiffs%20must%20prove%20chronic%20pain%20is%20serious%20impairment&utm_campaign=CLNewswire_20180220&utm_content=email&utm_source=Act-On+Software&utm_medium=email

How ICBC can cut auto injury claims costs by more than $20 million

British Columbia’s government monopoly auto insurer could save up to $27 million a year on claims costs and reduce the risk of legal disputes by taking on a “larger role” in designing plans to treat auto collision injuries, PriceWaterhouse Coopers said in a recent report.

https://www.canadianunderwriter.ca/insurance/icbc-can-cut-auto-injury-claims-costs-20-million-1004127568/

Adhesive Capsulitis – Frozen Shoulder

If you were involved in an auto collision one of the injuries you may sustain is called a “Frozen Shoulder,” or adhesive capsulitis. This usually develops because you suffered an injury to the shoulder which required you to immobilize the shoulder while it healed. The immobilization is factor in causing the frozen shoulder.

http://pickinguppieces.net/adhesive-capsulitis-collision/

How big of an issue is auto insurance going to be in the Ontario election?

The Ontario general election is slated to take place in June, and as the Liberal party aims for another majority, its track record over the past term — or more specifically, how closely its promises matched its actions — is under scrutiny.

https://www.lowestrates.ca/news/how-big-issue-auto-insurance-going-be-ontario-election-25023

Your auto insurance will be cheaper if you sign up in this month: LowestRates.ca

Your auto insurance rate is cheaper if you sign up when the weather is warm. That’s the key takeaway from a two-year price analysis by LowestRates.ca.

https://www.ctvnews.ca/business/your-auto-insurance-will-be-cheaper-if-you-sign-up-in-this-month-lowestrates-ca-1.3801821#_gus&_gucid=&_gup=twitter&_gsc=OfcGDzF