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Nguyen v. Economical Insurance Company (20-006171)

  • October 7, 2021

The self-represented claimant was involved in a motor vehicle accident in 2003. In 2018, FSCO denied the claimant’s claims for caregiver benefits and NEBs and awarded costs against the claimant, which she did not pay. The claimant later submitted claims for a CAT determination, NEBs, ACBs, and housekeeping benefits, which the insurer denied. The claimant then applied to the LAT seeking entitlement to these benefits. The LAT application was filed about 2.5 months after the two-year limitation period. A preliminary issues hearing was held to determine: (1) whether the application should be dismissed as frivolous, vexatious, or commenced in bad faith because it was res judicata and there were outstanding costs awarded against the applicant in favour of the insurer, (2) whether the application for CAT determination should be dismissed because of the claimant’s non-attendance at insurer’s examinations, and (3) whether the application should be dismissed because it was brought beyond the two-year limitation period. Vice-Chair Farlam found: (1) that the claims for caregiver benefits and NEBs were barred due to res judicata, and (2) that the application was statute-barred because it was not commenced within two years of the denial of benefits. Vice-Chair Farlam declined to extend the limitation period pursuant to s. 7 of the LAT Act, finding that the claimant failed to show a bona fide intention to appeal within the limitation period, there was incurable prejudice to the insurer, and there was a lack of evidence indicating the application had merit. Because the application was barred due to the limitation period, Adjudicator Farlam did not consider the issue of non-attendance at IEs. The application was dismissed.

Full decision here

TGP Analysis

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  • FILED UNDER LAT Rules, Limitation Period, Jurisdiction
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