Jamali v. Economical Insurance Company (2025 ONSCDC 1393)

The claimant appealed the Tribunal’s decision that he did not suffer a catastrophic impairment. The claimant raised multiple procedural issues and fairness issues. The Court dismissed the appeal, holding that the reasons applied the correct legal tests and provided detailed, comprehensive reasons for the conclusions reached. The causation test used by the Tribunal was correct, and the Tribunal’s conclusion that the alleged injuries and impairments were not caused by the accident was supported by the record. The claimant was given a seven day hearing and was allowed to present her case, call witnesses, cross-examine the insurer’s experts, raise objections, and make submissions. There was no indication that the hearing was conducted in a manner inconsistent with procedural fairness or the claimant’s expectations.

Plante v. Economical Insurance Company (2024 ONSC 7171)

The claimant appealed the Tribunal’s decision that she was not entitled to ACBs, home modifications, and other various medical benefits. The claimant’s appeal was based on the procedures used by the LAT in this case. At the Case Conference, the adjudicator ordered that a joint 20 day hearing would take place, and that both the claimant and her mother’s claim would be decided based on the same evidence and witnesses, which largely overlapped. At the beginning of the hearing, the Vice Chair altered the schedule, separating the two claims and only allowing five to six days of hearing for the claimant. The Vice Chair also did not allow the claimant to enforce a subpoena to cross-examine the insurer’s OT, despite draft reports suggesting that earlier versions of the report had been changed to better support the insurer’s position. The Court held that the Tribunal had breached the claimant’s right to a procedurally fair hearing, and ordered the matter be re-heard by a new adjudicator. The Court emphasized that any hearing scheduled set in a Case Conference ought to be followed unless prior sufficient notice is given to the parties regarding a change, and that the right to cross-examine an opposing party’s expert was fundamental to the procedural fairness of the hearing.

Luluquisin v. Aviva Insurance Co. of Canada (2024 ONSC 5369)

The claimant appealed the Tribunal’s dismissal of his claim for attendant care benefits. He argued that the Tribunal failed to consider all the evidence and gave insufficient reasons. The Court agreed that the Tribunal failed to provide sufficient reasons. The claimant had a catastrophic impairment, and the Tribunal summarily dismissed the claim for ACBs without engaging in the evidence presented by the claimant. The Tribunal ought to have engaged in the statutory scheme in greater detail with reference to the relevant evidence. The Court remitted the matter back to the Tribunal for a new hearing.

Fernandez v. Commonwell Mutual Insurance (2024 ONSC 5180)

The claimant appealed the Tribunal’s refusal to grant an adjournment of her hearing for a catastrophic impairment, and ultimately finding that she did not suffer a catastrophic impairment. The Court held that the Tribunal’s refusal to grant an adjournment breached fairness concerns, and ordered a new hearing. The Court explained that the claimant had limited proficiency in English, the issues were complex, and the claimant quickly retained new counsel after her previous counsel got off the record.

Hamad v. Dominion of Canada General Insurance Company (2024 ONSC 3324)

The claimant appealed the Tribunal’s decision that he did not suffer a catastrophic impairment as a result of the accident. The Court dismissed the appeal, holding that the claimant did not raise any legal errors on the part of the Tribunal. The Tribunal’s factual findings were supported by the evidence presented by the parties, and the Tribunal was entitled to make assessments of the witnesses credibility. Additionally, the Tribunal’s reliance on medical records by a doctor not present at the hearing was permitted, as hearsay evidence is permissible in hearings before the Tribunal.

Hordo v. CAA Insurance Company (2024 ONSC 6064)

The claimants appealed the Tribunal’s decision that they were not entitled to NEBs or housekeeping expenses. The Court dismissed the appeal, finding no legal error. The appeals were primarily based on factual disputes, and allegations of bias and lack of procedural fairness on the part of the adjudicators. The Court held that there was no basis of the allegation of bias and lack of procedural fairness.

Shahin v. Intact Insurance Company (2024 ONSC 2059)

The claimant appealed the Tribunal’s conclusion that she did not suffer a catastrophic impairment. She argued that she was denied procedural fairness due to: (i) failure by the Tribunal to make the insurer’s expert re-attend for cross-examination, (ii) by the Tribunal deciding causation when it was not argued by the parties; and (iii) by the Tribunal’s reference to documents that were not discussed by the parties or witnesses. The Court agreed that the Tribunal breached procedural fairness due to each of the three argued reasons. The Court remanded the dispute to the Tribunal for a new hearing.

Rao v. Wawanesa Mutual Insurance Company (2024 ONSC 39)

The claimant appealed the Tribunal’s decision that she did not suffer a catastrophic impairment. The claimant had sought an extension of time for reconsideration, which was denied by the Tribunal. The denial of the reconsideration extension lead to the claimant appealing to the Divisional Court more than four months after the original decision of the Tribunal. The insurer argued that the appeal ought to be dismissed for delay. The Court granted the claimant an extension of time to file the Notice of Appeal and ordered the appeal hearing to be expedited. The Court noted that the insurer did not demonstrate any prejudice arising from the late Notice of Appeal, and the claimant had demonstrated an intention to appeal and had provided explanation for the delay.

L.D. v. Gore Mutual Insurance Company (18-011978)

The claimant sought entitlement to IRBs and a special award relating to a three year prior where she did not attend IEs. The Tribunal dismissed the claim, holding that the insurer had given proper IE notices, and that the claimant did not have a reasonable explanation for failing to attend the IEs. The claimant raised multiple arguments regarding the IE notices and the IE assessors. The adjudicator rejected all arguments. Adjudicator Neilson found that the notices contained sufficient medical and other reasons, as there was specificity to the claimant’s conditions and treatments. The notices properly referred to the benefit being assessed. The number and type of assessments was not excessive, given that the claimant was alleging physical, psychological, and neuropsychological injuries. Further, many of the assessors withdrew from conducting IEs due to aggressive communications from claimant’s counsel, leading to the insurer needing to retain further assessors and make additional IE requests. The scope of the insurer’s requests were similar to the assessments proposed and completed by the claimant’s section 25 assessors. The insurer’s use of assessment centres was not unreasonable, and is permitted by the Insurance Act. There was no violation of the Human Rights Code in the nature or format of the assessments, and the claimant failed to advise on any further accommodations she required (if any). Because the claimant did not have a reasonable excuse for failing to attend IEs, there was no unreasonable delay in the payment of IRBs, and no special award was given. Additionally, Adjudicator Neilson found that the claimant’s arguments were not proven. The insurer was not engaged in criminal harassment in using an investigator to conduct surveillance. The allegations that the insurer’s OT injured the claimant were not proven, and there was no evidence that the OT was made aware of any restrictions the claimant had. The claimant failed to prove that the insurer was selective in its review of the evidence. Furthermore, to the extent that the claimant believed that the assessors were not aware of her medical conditions, the SABS required the claimant to advise of any relevant information. Multiple procedural issues were considered by the adjudicator. The requests for contempt orders against IE facility directors were dismissed, and certain summons were not properly served. The claimant’s attempt to use summons to obtain production of records from assessors and assessment facilities was improper; the claimant was obliged to make the production requests through the insurer’s counsel, and to seek a Case Conference Order if disputes arose about the scope of production and relevance.

Khan v. Allstate Insurance Company (2023 ONSC 3652)

The claimant appealed the LAT’s decision that he did not suffer a catastrophic impairment. The claimant argued that procedural fairness was denied because he did not know the insurer would argue that an intervening event was the cause of his impairments, and argued that the LAT applied the wrong causation test. The LAT dismissed the appeal. Regarding procedural fairness, the Court held that the claimant’s failure to object to the insurer’s arguments at any point during the original hearing prevented him from advancing this argument on appeal. Failure to object deprived the Court of the evidence necessary to establish how the LAT would have dealt with the concern. Regarding causation, the Court held the LAT applied the proper “but for” test. The material contribution test is only applicable where there are multiple tortfeasors and there is risk of tortfeasors escaping liability by pointing the finger at one another. That was not the case in this dispute where the claimant suffered a medical event weeks after the accident.