Atkinson v. Economical (2026 ONSC 2605)

The claimant appealed the Tribunal’s decision that she was not entitled to certain benefits. Her primary argument was that she was denied procedural fairness when the Tribunal refused to require the insurer to present its IE assessor for cross-examination. The Tribunal upheld its original decision on reconsideration. After the claimant commenced this appeal, the Tribunal began a second reconsideration procedure and concluded that the original decision should be vacated and returned to an adjudicator for a new hearing. The Court held that the Tribunal could not commence a second reconsideration procedure because the time elapsed after the first reconsideration was too long (over 18 months) and because initiating a second review after the appeal process had started breached the finality principle. The proper course was for the Tribunal to participate in the appeal and make submissions for the overturning of the initial decision. The Court quashed the second reconsideration as being beyond the jurisdiction of the Tribunal. The matter was returned to the Tribunal for a new hearing because the original decision and first reconsideration were also quashed by the Court in oral reasons given immediately after arguments.

Jones-Whyte v. Intact Insurance Company (2026 ONSC 1927)

The claimant appealed the Tribunal’s decision that she did not suffer a catastrophic impairment due to three Class 4 marked impairments. The claimant argued that the Tribunal acted unfairly in limiting the time for examination and cross-examination of witnesses, and by allowing the insurer’s expert to comment on the claimant’s expert’s report but not vice versa. The Court dismissed the appeal, finding that the Tribunal acted fairly. The adjudicator was entitled to control the process, and the time limits on examination and cross-examination were applied fairly and equally to all witnesses, and the parties were able to call all witnesses they wished to testify. The Court did not find unfairness in the adjudicator allowing the insurer’s expert to comment on the claimant’s expert’s report while disallowing the reverse because the insurer’s expert had a copy of the claimant’s expert’s report when generating his own report, whereas the claimant’s expert did not have the insurer’s expert’s report when generating his report. Further, the claimant could have requested an addendum report from her own expert to respond to the insurer’s expert, but chose not to.

Fernando v. Aviva Insurance Company of Canada (24-007755)

The claimant was involved in an automobile accident in 2015 and was deemed catastrophically impaired in 2024. At the LAT hearing, the insurer submitted that the claimant had violated the CCRO by submitting nine pages of separate submissions on the award when the CCRO limited total submissions to ten pages. The insurer maintained that it was prejudiced in only having 10 pages to respond and the claimant’s special award particulars should be rejected by the Tribunal. The Tribunal found that the claimant’s submissions did not comply with the Tribunal’s orders. The CCRO ordered that the claimant provide particulars of the award claim within 30 calendar days after receipt of the adjusters’ log notes. The CCRO also indicated the hearing adjudicator could choose to not consider submissions which exceeded page limits. The Tribunal chose to do so in this matter because it found that the claimant and the respondent agreed to the page limits at the CCRO, the claimant did not seek an order for additional pages prior to making her submissions, and it was prejudicial to the insurer. Therefore, the Tribunal did not consider the first four pages that included the introduction, overview, nature of disputed benefits, and legal framework. The Tribunal did however consider the claimant’s argument for a special award, conclusion and relief sought on pages 5 to 8. The Tribunal found that the insurer was not liable to pay an award. The claimant was found to be entitled to case management services, psychological therapy, and OT services.

Intact Insurance Company v. Carpenter (2026 ONSC 1443)

The claimant was injured when he was struck by a Caterpillar Small Wheel Loader being driven on a municipal road to clear snow. The insurer denied entitlement to accident benefits on the basis that the equipment was not an automobile. The Tribunal concluded that the equipment was an automobile, but came to the conclusion on grounds not advanced by either party. The insurer appealed the decision. The Court granted the appeal and remitted the matter to the Tribunal for a new hearing. The Court concluded that the insurer was not granted procedural fairness when the Tribunal disregarded the claimant’s concession that the first part of the Adams test was not met (which the insurer therefore did not make arguments about) and relied on that part of the test to conclude that the equipment was an automobile.

Economical Insurance Co. v. Abou-Gabal (2026 ONSC 42)

The insurer appealed the Tribunal’s decision that the claimant suffered a catastrophic impairment. The claimant was injured in a minor accident. She had pre-existing severe autism. The insurer’s primary argument was the that claimant’s functioning did not change after the accident, and that the claimant already suffered a catastrophic-like level of impairment. The adjudicator hearing the matter was a member of an autism interest group, had a sibling with autism, and wrote articles in support of greater funding for persons with autism. The Court held that there was a reasonable apprehension of bias, and sent the matter back to the Tribunal for a new hearing. The Court explained that while a decision maker does not have leave their personal life behind when they become an adjudicator, they are expected to publicly withdraw from advocacy on issues that may come before them, or alternatively, to identify the potential appearance of bias and recuse from the matter.

Nuroh v. TD General Insurance Co. (2025 ONSC 6997)

The claimant appealed the Tribunal’s decision that she did not suffer a catastrophic impairment, arguing that the Tribunal’s failure to summons the insurer’s IE witness resulted in procedural unfairness. The Court agreed and ordered a new hearing. The Court wrote that the Tribunal, despite having its own Rules, must afford parties procedural fairness. The insurer’s IE witness was central to the catastrophic impairment issue, and the refusal to provide a summons of the witness prevented the claimant from advancing her own case. The Court noted that the insurer did attempt to procure the IE witness’ attendance, but it was the Tribunal that failed to provide procedural fairness because it was the only entity with the power to summons the witness.

AIG Insurance Co. v. Riddell (2025 ONSC 1979)

The claimant and the insurer appealed the Tribunal’s refusal to grant an adjournment of a hearing addressing a catastrophic impairment status. The Tribunal refused to allow the adjournment despite both parties requesting the adjournment due to their unavailability. The Court acknowledged that it rarely reviewed interlocutory orders, but agreed to do so in the exceptional circumstances. The Court held that the Tribunal’s refusal to grant the adjournment failed to consider the complexity of the case, the legitimate competing obligations of counsel, and prejudice to the parties if an adjournment was not granted. The decision also failed to balance the Tribunal’s interest in the administration of justice with the interests of the parties. The Court ordered the Tribunal to vacate the hearing dates and re-schedule the hearing for later dates acceptable to both parties and their counsel.

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.