Canadian Underwriter

auto insurance

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News CatastrophesClaimsInsuranceLegal

‘Minor injuries’ don’t exist if they fall outside the Minor Injury Guideline

May 17, 2023 by David Gambrill

An auto injury falling outside of Ontario’s $3,500 Minor Injury Guideline (MIG) cap is no longer a ‘minor injury’ for the purpose of imposing funding limits on certain medical goods and services, Ontario License Appeal Tribunal (LAT) has ruled. “There

Thief In Hooded Jacket And Balaclava Opening Car's Door With Crowbar
News AnnouncementsEarnings / RatingsInsurance

How theft and Alberta’s rate pause affected Definity’s auto portfolio

May 16, 2023 by David Gambrill

Auto theft, inflation, and increased claims frequency due to traffic returning to pre-pandemic levels all contributed to pushing Definity’s combined ratio in personal auto up to 100.9% in 2023 Q1, company executives reported in the company’s earnings call last week.

Man holding a card that reads 'auto insurance'
News ClaimsEarnings / RatingsInsuranceMarkets / Coverages

How Intact’s personal auto segment fared in 2023 Q1

May 15, 2023 by Jason Contant

Intact Financial Corporation grew its Canadian personal auto premium volume 5% in 2023 Q1 from one year ago, and continues to see positive growth in the segment, CEO Charles Brindamour said during a 2023 Q1 earnings call last week. “Top-line

Ambulance toy wooden block and alarm clock on blue background. Emergency healthcare medical concept.
News AdjustersClaimsInsuranceLegal

Why this auto claim can proceed 2 years after the limit expired

May 9, 2023 by David Gambrill

Nova Scotia’s Supreme Court recently allowed an auto liability claim to proceed four years after the collision happened, and two years after the time limit for making a claim had expired. The delay was based mainly on the claimants’ lawyer

Smiling woman talking on phone while driving a car
News BrokersClaimsInsuranceRiskTechnology

How brokers can help curb distracted driving

April 26, 2023 by David Gambrill

Editor’s Note: This article has been updated show 83% would be motivated to stop distracted driving behaviours if offered an insurance  discount, and has updated Paul Stone’s title.   Brokers can help put a stop to distracted driving by making

family home icon. Vector isolated illustration.
News AdjustersClaimsInsuranceLegal

Spouses don’t have to live under the same roof to qualify for family protection auto coverage

April 3, 2023 by David Gambrill

Editor’s Note: This article has been corrected to show that the Motor Vehicle Accident Claims Fund (MVACF) has a $200,000 maximum legal liability and not $250,000, as initially reported. Canadian Underwriter apologizes for the error.   Spouses don’t have to

Police officer (20s) conducting sobriety test on woman.
News ClaimsInsuranceLegal

Latest Supreme Court ruling may reduce liability risk due to impaired drivers

March 27, 2023 by David Gambrill

Canada’s top court has restored the impaired driving conviction of an Ontario ATV driver, whose Charter rights were violated when the police pulled him over on a shared private driveway instead of a public highway. The case is of interest

Consulting on an insurance policy
News BrokersInsuranceMarkets / Coverages

Brokers, insurers respond to 2023 Ontario budget

March 24, 2023 by Jason Contant

Ontario’s broker association is glad to see auto insurance as well as enhancing Ontario’s emergency response remains on the provincial government’s agenda.  In its 2023 Ontario Budget, the government said it will “continue to make progress on previous commitments, including

Computer screen showing checkmarks.
News ClaimsInsuranceLegalLegislation / Regulation

Trial lawyers to intervene in important accident benefits case

March 2, 2023 by David Gambrill

Ontario’s Superior Court has allowed the Ontario Trial Lawyers Association (OTLA) to intervene in an auto insurance case that will address whether a settlement agreement is enforceable when the injured claimant dies before accident benefits (AB) structured settlement instructions were

Police barricades around Parliament Hill in Ottawa after the Freedom Convoy protestors were cleared
News InsuranceLegalLegislation / Regulation

No one’s auto insurance was suspended under the Emergencies Act: Inquiry Report

February 21, 2023 by David Gambrill

Police chose not to apply federal Emergencies Act measures to suspend the auto insurance policies of any Freedom Convoy protest participants last year, according to the Report of the Public Inquiry into the 2022 Public Order Emergency. “The duty to

Driver sleeping in self-driving car
News ClaimsCommercial LinesInsuranceLegalProductsRiskTechnology

When will self-driving tech consistently prevent crashes?

February 17, 2023 Harrison Griffiths and Hannah Van Staveren

One aim of autonomous driving technology is to take the human element out of the driving ecosystem with an eye toward preventing collisions. But right now, autonomous driving technology can’t guarantee it will detect and react to road hazards earlier

File folders - insurance, fraud, and "under investigation"
News ClaimsInsuranceLegal

Insurers can deny entire claim for fraud, not just the fraudulent part, court affirms

February 13, 2023 by David Gambrill

If an auto insurance claimant fraudulently applies for accident benefits payments arising out of a crash, the insurer can deny the entire auto claim, not just the fraudulent part of the claim, the Alberta Court of Appeal has confirmed. In