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.

June 21, 2024

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Landa v. The Dominion of Canada General Insurance Company (498/21; 152/22; 396/23; 397/23)

The claimant appealed and sought judicial review in relation to five LAT decisions. The accident that gave rise to the claims occurred in 2007. The issues in dispute in the LAT hearings included the limitation period and entitlement to IRBs and medical benefits. The Court examined whether the LAT decisions disclosed an error of law,...

June 19, 2024

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Zuchelkowski v. Zenith Insurance Co. (2024 ONSC 3512)

The claimant appealed the Tribunal's decision that her late application for benefits barred her claim. The claimant applied for accident benefits in August 2017 following her son's May 2025 accident. The Tribunal held that the claimant did not provide a reasonable explanation for the delay of more than two years. The claimant argued on appeal...

June 12, 2024

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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...

June 12, 2024

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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...

May 31, 2024

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Davis v. Aviva General Insurance Co. (2024 ONSC 3054)

The claimant appealed the Tribunal's decision that she was not involved in an "accident" when she slipped on ice while in the process of getting into her vehicle. The claimant also argued that the insurer's decision to raise that issue more than three years after the accident was procedurally unfair. The Court granted the appeal...

May 23, 2024

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Pope v. Pilot Insurance Company (2024 ONSC 2932)

The claimant appealed the Tribunal's decision that her 2002 settlement in relation to a 1995 accident was valid, and that she was not entitled to rescind the settlement. The Settlement Disclosure Notice used in the settlement did not contain some information about the maximum benefits available to her (as required by the SDN at the...

May 21, 2024

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Adam v. Aviva General Insurance Company (2024 ONSC 3577)

The claimant appealed the Tribunal's decision that he was not entitled to post-104 week IRBs. The Court rejected the appeal, holding that the Tribunal correctly concluded that the insurer complied with section 37 regarding the denial of IRBs, and the denial did not lack medical reasons or specificity for the denial. The Court also dismissed...

May 6, 2024

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Hathaway-Warner v. TD General Insurance Company (2024 ONSC 2511)

The claimant appealed the Tribunal's decision relating to proper hourly rate for ACBs, whether she had incurred attendant care services, whether she required supervisory care, whether she required home modifications, and the cost of a home modification assessment. The Court upheld the Tribunal's decision on all points. The claimant's accident occurred on July 14, 2010....

May 6, 2024

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Fagundes v. Intact Insurance (2024 ONSC 2575)

The claimant appealed the Tribunal's decision that she was not entitled to post-104 week IRBs. The Court dismissed the appeal. The Court held that there was considerable evidence on which the Tribunal relied in coming to its conclusion, and the Tribunal was entitled to weigh and prefer the expert evidence of the insurer over the...

May 3, 2024

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Laljee v. Aviva General Insurance Company (2024 ONSC 2577)

The claimant appealed the Tribunal's dismissal of her claim for a catastrophic impairment designation and various treatment plans. The Court dismissed the appeal, finding that there was no merit to the claimant's arguments. The claimant had not been denied procedural fairness, and had been provided with all documentation referred to during the hearing. The Tribunal's...

April 30, 2024

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Nouracham v. Aviva General Insurance Company (2024 ONSC 2415)

The claimant appealed the Tribunal's decision that she was not entitled to IRBs because she was not employed at the time of the accident. The Court dismissed the appeal. The claimant was "on call" with a temp agency, and occasionally worked at a factory for one day or several days at most. She had not...

April 16, 2024

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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...

April 8, 2024

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Keulen v. Allstate Insurance Co. (2024 ONSC 2033)

The claimant appealed the Tribunal's decision that it did not have jurisdiction to award punitive damages. The Court dismissed the appeal, holding that the Tribunal correctly interpreted its jurisdiction, which was limited to matters provided for in the SABS. The only non-benefit the Tribunal could award was a section 10 award. The Court also rejected...

March 22, 2024

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Travis v. Aviva Insurance Company (2024 ONSC 1683)

The claimant appealed the Tribunal's decision that his injuries were not the result of an accident. The claimant was a firefighter who responded to the 2018 van attacks in Toronto where 10 people were killed. The claimant arrived at the scene after the incident, and was confronted with the bodies of the deceased and injured...

March 21, 2024

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Ravilotchanan v. Allstate Insurance Company of Canada (2024 ONSC 1629)

The claimant appealed the Tribunal's decision that she was responsible for repayment of $23,600 in IRBs and $5,970.92 in ACBs. The Tribunal ordered the repayment based on the claimant working as a PSW at the same time she was receiving benefits. The disclosure of the information was made after the claimant had received a substantial...

March 15, 2024

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Yatar v. TD Insurance Meloche Monnex (2024 SCC 8)

The claimant appealed the Tribunal's decision that her claim for IRBs was barred by the limitation period. One of the main issues was whether the claimant was entitled to pursue judicial review of the Tribunal's decision, in addition to the statutory right of appeal. The Tribunal's decision was upheld by the lower appellate courts, and...

March 1, 2024

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Jiang v. The Co-operators General Insurance Company (2024 ONSC 1225)

The claimant appealed the Tribunal's decision that she was not involved in an accident. The claimant sustained injuries when she was driving and her husband physically assaulted her. She subsequently lost control of her vehicle and hit the curb. The Tribunal held that the assault was an intervening event that broke the chain of events,...

February 7, 2024

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Co-operators Insurance Company v. Bennett (2024 ONSC 467)

The insurer appealed the Tribunal's decision that the claimant was entitled to an attendant care assessment due to having pre-existing conditions, despite suffering only minor injuries. The insurer argued that the minor injury bar still applied to attendant care benefits and assessments for persons with pre-existing conditions who were not subject to the $3,500 MIG...

February 7, 2024

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Adams v. Aviva Insurance Company (2024 ONSC 715)

The claimant appealed the Tribunal's decision that her late application barred her claim for accident benefits. The accident was on August 28, 2018. The claimant notified the insurer of the accident on June 13, 2019. The Tribunal held that the claimant did not have a reasonable excuse for the delay, and dismissed the application. The...

January 4, 2024

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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...

December 6, 2023

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Gayle v. TD General Insurance Company (22-0050088)

The claimant’s husband was allegedly struck by a vehicle insured by the insurer on December 8, 2020. The claimant and her husband were not insured. The claimant sought accident benefits for psychological injuries resulting from the incident. The insurer denied her claim, stating she is not an "insured person" under section 3(1) of the SABS...

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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