Insurance Coverage:

The Protection of Policyholder Rights During Disputes With Insurers

The prescribed automobile policy forms offered by Ontario insurers contains a statutory schedule of benefits for victims of accidents including loss of income...

In Ontario, automobile insurance is subject to a system known as 'no-fault'.  When automobiles, are damaged in an automobile accident, unique coverage issues...

Insurance coverage is subject to various policy conditions.  When the policy conditions are violated, coverage is nullified. 

An insurance broker owes a stringent duty of care towards clients and failure to properly advise about coverage gaps may result in an errors or omissions...

As professionally trained experts, insurance brokers owe a duty of care to clients to diligently arrange insurance coverage and shop for competitive pricing. 

The principle of indemnity involves compensation equivalent to an incurred loss so that a person is put back into the same financial position as existed prior...

There is often much confusion about what is a trailer versus what is towable equipment.  Knowing the difference can affect the insurance arrangements. 

Insurance coverage providing liability protection often refers to first party and third party which can be confusing to some when needing to understand 'who is...

The cost to defend a liability claim can be significant; accordingly, where an insurance is in place to provide coverage if the case is successfully proven,...

An insurance policy is a unique type of contract.  An insurance policy, being a contract, is formed based upon the same elemental requirements as all...

When property Is jointly owned by two people insured together and one person intentionally damaged the property, the innocent person remains covered by the...

When a third party person causes harm it is unlikely that the insurer of the third party person played a role in causing the harm.  Accordingly, naming the...

When insurance companies perform claim investigations to ensure against misrepresentation issues, among other things, insurers must stay within reasonable...

An insurance broker or insurance agent may assist a client in completing an application for insurance; however, the client remains responsible for any errors...

Where liability risk shifting techniques are in place between contracting parties, among other things, the course of litigation may be impacted by the manner...

When an insured person provides false information, intentionally or otherwise, to an insurance company, or omits information an insurance company would...

Insurance contracts may be difficult for the average person to understand; and accordingly, the law expects that insurance contracts will use terms that would...

The process of subrogation involves an insurer bringing litigation against a person who caused a loss to the client of the insurer and the recouping of monies...

Insurance companies are required to investigate in good faith and promptly make payment on claims.  Where an insurance companies denies coverage in bad faith,...

When a person is looking to an insurance company for help, is usually when the person is most vulnerable.  It is at such a time that an insurance company must...

The word flood has a focused meaning within the realm of insurance; and accordingly, special attention and understanding is required when reviewing an...

For insurance applicable to automobiles or most types of property and related coverage, a one year limitation period applies; and accordingly, if an insurer...

Old habits die hard and the manner in which buyers and sellers of automobile insurance arrange coverage for seasonal use vehicles is often done improperly.