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.

Aviva Insurance Canada v. Harland-Bettany (2023 ONSC 3395)

The insurer appealed the Tribunal’s decision that the claimant’s slip and fall on ice met the definition of accident. The claimant’s application included other disputes relating to accident benefits claims that were not yet decided. The Court held that the insurer’s appeal was premature as the accident definition decision was interlocutory. The Court wrote that it would have jurisdiction to hear the insurer’s appeal of that issue once the Tribunal had determined all issues in dispute.

Soldatovas v. Wawanesa Mutual Insurance Company (2023 ONSC 3440)

The claimant appealed the Tribunal’s denial of IRBs and a special award, arguing that the decision lacked procedural fairness, reasonableness, and did not consider key evidence. The Court dismissed the appeal, holding that the Tribunal provided the claimant with an opportunity to present his case, and holding that the Tribunal was not required to cite every document submitted by the claimant in its reasons.

Sahadeo v. Pafco Insurance Company (2023 ONSC 2542)

The claimant appealed the LAT’s dismissal of his catastrophic impairment dispute, arguing that the Tribunal’s supplemental reasons contained in the reconsideration decision violated the principles of fairness. The Court dismissed the appeal, holding that the SPPA gave the Tribunal the power to make rules to reconsider its own decision, and that the reconsideration process gave the Tribunal the ability to dismiss, confirm, vary, or cancel any part of its original decision or order. The Tribunal’s procedure in the subject matter followed the reconsideration process contemplated by the SPPA and the Tribunal’s own rules. The Tribunal acted entirely within its own jurisdiction on the reconsideration.

Di Giulio v. Aviva General Insurance Company (2023 ONSC 2426)

The claimant sought a stay from Divisional Court of the LAT’s decision that the dispute would proceed in writing rather than orally. The Court rejected the stay, holding that there was not a serious issue, there was no irreparable harm if the stay was not granted, and the balance of convenience did not favour the claimant given the prematurity of the decision. The Court wrote that if, at the end of the Tribunal’s process, the claimant wished to dispute the fairness of the hearing, he could do so at that time.

Vettivelu v. Intact Insurance Company (19-006122)

This is a reconsideration decision. The claimant had a written hearing submission deadline of October 19, 2022, but did not file submissions until November 10, which was eight days after the respondent filed a Notice of Motion for an order dismissing the application as abandoned. The claimant requested an adjournment. The motion adjudicator denied the request for adjournment and dismissed the application. The request for reconsideration was denied.

Tamayo v. Licence Appeal Tribunal (2023 ONSC 1692)

The claimant appealed the Tribunal’s decision denying an adjournment of a scheduled hearing. The Court dismissed the appeal, holding that the denial of the adjournment was an interlocutory step from which no appeal was permitted. The Court also declined to grant a stay of the proceedings.

Lengyel v. The Licence Appeal Tribunal (2023 ONSC 1623)

The claimant appealed and sought judicial review of the Tribunal’s decision to dismiss her application due to non-attendance at an IE. The Court dismissed the appeal and judicial review, holding that the Tribunal properly considered the SABS and the materials before it, and the result was a reasonable outcome available to the Tribunal under the SABS. The claimant failed to prove that she was not afforded procedural fairness in the hearing.