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.

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October 5, 2016

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M.R. v. Aviva Insurance Company of Canada (16-000216)

The claimant was involved in an MVA in December of 2013. An OCF-1 was submitted in February of 2014. Aviva sent OCF-9s in February, March, April, and May 2014, informing the Applicant that the MIG governed her injuries and as such she did not have coverage for attendant care benefits. The Applicant brought an application...

October 3, 2016

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Applicant v. Dominion of Canada General Insurance Company (16-000063)

The claimant applied to the LAT for both NEBs and IRBs. This preliminary hearing was to determine whether the claimant was entitled to litigate claims for both NEBs and IRBs. Adjudicator Marzinotto held that the insurer should have provided an election to the claimant, but had failed to do so. As a result, the claimant...

September 30, 2016

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D.M. v. RBC General Insurance Company (16-000080)

The claimant sought home modifications in the form of home repairs. The words "modification" and "repair" were not defined in the SABS. Adjudicator Truong ruled that a "repair" can be a "modification" and held that some of the repairs were payable because such repairs were linked the Applicant's safety and were needed to assist the...

September 13, 2016

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S.L. v. Certas Home and Auto Insurance Company (16-000213)

The insurer brought a motion to dismiss a claim on the basis of the claimant's non-attendance at IEs and due to the overlap with issues previously before FSCO. The IE notices were deemed insufficient; therefore, the insurer's s. 55 defence did not apply. The claimant was not barred from proceeding with the issues that were...

September 8, 2016

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J.H. v. Intact Insurance Company (16-000009)

The claimant sustained a catastrophic impairment and sought mileage expenses for his service providers. Adjudicator Pay held that the SABS did not require the insurer to pay for the mileage expenses of the service providers (the insurer was already paying for the hourly rate of the service providers, which included their transportation time).

September 1, 2016

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K.P. v. Aviva Canada Inc. (16-000046)

The claimant sought medical benefits outside of the MIG. Vice Chair Flude considered the list of injuries the claimant claimed to have sustained in the accident. He held that there was no evidence provided linking the injuries to the accident, or to show that the injuries did not fall under any of the "minor injury"...

September 1, 2016

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A.P. v. Aviva Canada (16-000045)

The claimant sought further IRBs and medical benefits out of the MIG. Vice Chair Flude held that the claimant did not suffer from a pre-existing condition, was not suffering chronic pain syndrome, and could perform the essential tasks of her employment. IRBs were denied and the claimant was restricted to MIG level benefits.

August 30, 2016

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S.S. v. State Farm Mutual Automobile Insurance Company (16-000084)

The claimant sought removal from the MIG, and entitlement to a treatment plan for physical therapy. Adjudicator Theoharis concluded that the claimant had sustained a "minor injury" and did not suffer a pre-existing condition that would prevent him from being treated under the $3,500 limit. The claimed treatment plan was denied.

August 25, 2016

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Applicant v. Motor Vehicle Accident Claims Fund (16-000058)

The claimant failed to attend an IE due to the notice letter being lost between his wife and parents' mail. Adjudicator Marzinotto found NEBs payable for the period the claimant was held in non-compliance because he was credible. Although it would have been reasonable for the claimant to provide an updated address, his failure to...

August 16, 2016

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Applicant v. Intact Insurance Company (16-000041)

This decision addressed whether the LAT had jurisdiction to award costs after all accident benefits in dispute were resolved. Adjudicators Treksler and Richards concluded that the LAT did retain jurisdiction to award costs after the parties had resolved the accident benefits in dispute.

July 5, 2016

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B.C. v. Economical Mutual Insurance Company (16-000024)

The accident occurred while the claimant was operating a motor vehicle with an expired licence. The insurer brought a motion that the claim for IRBs must be dismissed due to the exclusion at section 31. The claimant argued that he was not aware of his licencing having expired. Vice Chair Flude agreed with the insurer...

June 30, 2016

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A.A. v. State Farm (16-000448)

The claimant sought a waiver of the $100 LAT filing fee in accordance with the Administration of Justice Act. The LAT held that the Administration of Justice Act did not apply to Tribunals, and, even if it did, the claimant had not provided a sufficient factual basis for granting a fee waiver.

June 29, 2016

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J.T. v. Echelon General Insurance Company (16-000018)

The insurer's denial of NEBs was dated April 8, 2014. The claimant applied to the LAT on April 8, 2016 to dispute his entitlement to NEBs. The insurer argued that the limitation period expired on April 7, 2016, because the date of denial had to be included in counting the two-year period. Vice Chair Flude...

LAT Case Law Summaries

M.R. v. Aviva Insurance Company of Canada (16-000216)

Applicant v. Dominion of Canada General Insurance Company (16-000063)

D.M. v. RBC General Insurance Company (16-000080)

S.L. v. Certas Home and Auto Insurance Company (16-000213)

J.H. v. Intact Insurance Company (16-000009)

K.P. v. Aviva Canada Inc. (16-000046)

A.P. v. Aviva Canada (16-000045)

S.S. v. State Farm Mutual Automobile Insurance Company (16-000084)

Applicant v. Motor Vehicle Accident Claims Fund (16-000058)

Applicant v. Intact Insurance Company (16-000041)

B.C. v. Economical Mutual Insurance Company (16-000024)

A.A. v. State Farm (16-000448)

J.T. v. Echelon General Insurance Company (16-000018)

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