LAT Case Law Summaries

Thomas Gold Pettingill LLP is pleased to provide this online resource to our clients. Below is a searchable database of the publicly released decisions from the Licence Appeal Tribunal. Assembled by the accident benefits group, the decisions are reviewed, briefly summarized, and categorized for easy access.

As of March 2020, we will not include any further decisions focused solely on the Minor Injury Guideline or treatment plans, unless the case may have broader applicability.

October 26, 2022

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Nagarajah v. TD Insurance Company (21-009034)

The claimant signed an SDN and Release on September 6, 2012 in relation to certain accident benefits, but not the entire claim (i.e. a partial release). The claimant alleged that the settlement he entered into was not a full and final settlement. He argued that the settlement was not governed by Regulation 664 or alternatively,...

October 24, 2022

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Arab v. Unica Insurance (2022 ONSC 5761)

The claimant appealed the Tribunal's decision that he was not employed at the time of the accident, and was therefore not entitled to IRBs. The claimant had only worked 20 weeks in the past 52 weeks, and was absent from at the time of the accident, but was not formally terminated until after the accident....

October 21, 2022

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Franche v. Wawanesa Mutual Insurance Company (21-000723)

The claimant was involved in a motor vehicle accident in 2017. She applied to the LAT seeking catastrophic impairment determination under Criteria 8 and entitlement to numerous medical benefits. Adjudicator Shapiro excluded the report and testimony of a s. 44 assessor for failure to comply with an order to produce raw testing data. Rather than...

October 21, 2022

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C.P. v. Certas Home and Auto Insurance Company (2022 ONSC 5978)

The claimant appealed the Tribunal's decision dismissing his claim for further IRBs, arguing that the Tribunal erred in allowing IE reports to be admitted without the Expert's Duty form being completed, in applying the IRB test, and by failing to provide procedural fairness or natural justice. The Court dismissed the appeal. The Court held that...

October 18, 2022

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HIbbert v. Aviva General Insurance (20-009328)

The claimant applied to the LAT seeking further entitlement to IRBs and a determination of the appropriate quantum of IRBs. The accident occurred in 2017. The claimant's 2017 OCF-2 and other information submitted to the insurer characterized him as being employed before the accident. However, the claimant's tax returns for 2016 and 2017, which were...

October 16, 2022

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[L.D.] v. Gore Mutual Insurance Company (17-002762)

The claimant was involved in an accident on November 25, 2015 and sought attendant care benefits. The insurer denied ACBs and the claimant filed a LAT Application. The insurer filed a motion requesting that the claimant's LAT Application be barred pursuant to s. 55 of the SABS for failure to attend three properly scheduled independent...

October 13, 2022

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Phan v. Security National Insurance Company (20-011925)

The claimant brought an initial application where the LAT held that her impairments were predominantly minor, that she was subject to the MIG, and denied her claim for six treatment plans because her MIG limits were exhausted. The claimant brought a subsequent application seeking entitlement to nine treatment plans and assessments. The insurer brought a...

October 11, 2022

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Hilaire v. Sonnet Insurance Company (20-006329)

The claimant filed a LAT Application disputing five OCF-18s for physiotherapy services, the MIG and entitlement to NEBs. The insurer requested repayment of NEBs in the amount of $6,105.00 under s. 52 of the SABS on the basis that the benefit was paid in error. The insurer argued that it erroneously paid the claimant NEBs...

October 11, 2022

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Nesbesnuik v. Aviva General Insurance Company (20-007540)

The claimant applied to the LAT seeking entitlement to an attendant care benefit ("ACBs") and assistive devices including a lawnmower with snow blower attachment, cell phone, and computer. Adjudicator Pahuta found that the claimant had failed to establish that ACBs had been incurred. The only evidence before the Tribunal was a written statement authored by...

October 4, 2022

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Aviva General Insurance Company v. Manalastas (20-010171) & Manalastas v. Aviva General Insurance Company (20-007000)

The claimant sought entitlement to a number of OCF-18s, as well as a special award and interest. The insurer sought repayment of IRBs for the period of July 21, 2018 to December 2, 2018 in the amount of $6,865.97, and from December 2, 2018 to March 10, 2019 in the amount of $5,600.00. At the...

September 29, 2022

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Wu v. Aviva Insurance Company (20-011618)

The claimant applied to the LAT disputing the insurer's partial approval of catastrophic assessments. The dispute centered around the proper reading of s. 25(2)(a) of the SABS which provides a $2,000 limit for as assessment. Adjudicator Shapiro concluded that a plain language reading of the section set a clear total limit of $2,000 which would...

September 28, 2022

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Sorouri v. Intact Insurance Company (20-003723)

The claimant applied for accident benefits after he was assaulted while working an Uber driver on March 24, 2019. After he had picked up four passengers, multiple assailants surrounded his vehicle and attempted to remove a female passenger from the rear passenger seats. One assailant allegedly punched the claimant's face and pulled and twisted his...

September 27, 2022

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Carleton v. Unica Insurance Inc. (20-002008)

The claimant was injured in an accident and applied for an attendant care benefit but was denied on the basis that it was not reasonable or necessary. Vice Chair Johal found that the claimant was entitled to 315 minutes per week of attendant care that had been incurred for feeding and 45 minutes per week...

September 27, 2022

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Z .R. v. Gore Mutual Insurance Company (18-000017)

The claimant applied to the LAT seeking entitlement to attendant care benefits in the amount of $8,280.86 per month, various medical benefits, and the cost of examinations (including $11,250.00 for CAT assessments). The claimant had been declared catastrophically impaired in a previous LAT decision. As a preliminary issue, the insurer argued that pursuant to s....

September 26, 2022

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Eid v. Allstate Insurance Company of Canada (20-001143)

The self-employed claimant applied to the LAT seeking entitlement to IRBs for various periods since the 2017 accident and a determination of the appropriate quantum of IRBs. The issues in dispute included the following: What is the proper period to calculate the claimant's IRBs in these circumstances? Does the calculation provided for in s. 4(3)...

September 23, 2022

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Bustin v. Economical Insurance Company (20-007017)

The claimant sought entitlement to accident benefits after witnessing a fatal collision on October 13, 2019. He claimed that he had been involved in the accident and was an "insured person" as defined in the SABS. The claimant had been sitting on the porch of his aunt's home when two vehicles struck one another in...

September 19, 2022

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Williams v. Unifund Assurance Company (20-015158)

The claimant applied to the LAT seeking entitlement to various benefits, including payment for catastrophic assessments. The claimant submitted that the proposed CAT assessments met both the reasonableness and guideline requirements for entitlement to funding. Adjudicator Kaur disagreed with the claimant's position, noting that she had failed to submit appropriate evidence before the Tribunal in...

September 16, 2022

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Handy v. Aviva Insurance Company of Canada (20-006124)

The claimant sought catastrophic impairment designation under Criterion 7, arguing that he developed chronic pain from the soft tissue injuries sustained in the accident along with exacerbation of pre-existing asymptomatic degenerative disc disease and knee osteoarthritis. The insurer submitted that the claimant's present health condition was caused by an unrelated subsequent fall. The claimant's assessors...

September 15, 2022

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Alkhazov v. Aviva Insurance Company of Canada (21-004825)

The insurer brought a preliminary motion to address whether the claimant was barred from proceeding with his claim for NEBs as he failed to submit an OCF-10 form electing benefits. The claimant was injured in an automobile accident on April 18, 2019, and applied for accident benefits (OCF-1) on April 23, 2019. In his OCF-1,...

September 13, 2022

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Belanger v. Intact Insurance Company (19-013755)

The insurer requested reconsideration of the Tribunal’s earlier decision which held that the claimant was not statute barred pursuant to s. 56 of the Schedule. In the initial decision, the Tribunal found that the delivery of the initial IRB denial letter dated March 26, 2015, despite being an adequate stoppage letter, was not done in...

September 12, 2022

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Day v. BelairDirect Insurance Company (20-005603)

The claimant sought catastrophic impairment designation under Criterion 8 as a result of her involvement in an April 2016 accident. Both parties agreed that the claimant had a class 4 marked impairment due to a mental or behavioural disorder, but the insurer denied that her mental or behavioural disorder was caused by the accident and...

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Contact Us

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Toronto, Ontario M5H 3S5

416.507.1850

eodonnell@tgplawyers.com

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Contact Us

150 York Street, Suite 1800
Toronto, Ontario M5H 3S5

416.507.1850

eodonnell@tgplawyers.com