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personal auto


Girl after shopping discovered the loss of her automobile. Angry woman talking about missing car on phone. Vehicle theft concept
News AssociationsClaimsInsuranceLegalLegislation / Regulation

Auto insurers pay out record amount for auto theft

June 8, 2023 by David Gambrill

Supply chain issues are creating a hot domestic market for stolen vehicles, which in 2022 cost Canadian property and casualty auto insurers more than an estimated $1 billion — the most the industry has ever paid for auto theft in

Two people riding on an ATV through the snow
News ClaimsInsuranceLegal

ATV roll-over decision could help insureds who are denied coverage

March 23, 2023 Philip Porado

Recent granting of a plaintiff’s motion for summary judgement against an insurer in an all-terrain vehicle (ATV) overturn accident may make it easier for auto insurance policyholders to access their coverage. Ultimately, the decision may be of future benefit 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

Distorted image of the head of a road rager driving a car
News ClaimsLegal

Insurer wins third-party liability claim against road-rager

January 24, 2023 by David Gambrill

An insurer successfully brought a third-party liability claim against a road-rager who was found to be 50% responsible for an accident between two other vehicles as a result of his threatening actions. The insurers were not named in the Court

A man with a knife sneaks up on a woman loading her car
News ClaimsClaims CanadaInsuranceLegalLegislation / RegulationMarkets / Coverages

An insured driver is injured when an uninsured car-jacker steals her car. Who covers?

December 1, 2022 by David Gambrill

Insured drivers owning stolen vehicles must go to Facility Association — not their own private auto insurers — to get compensation for injuries sustained in assaults against them involving uninsured car-jackers, a Nova Scotia court has ruled. The Supreme Court

Shot of a motocross competition
News ClaimsInsuranceLegalLegislation / Regulation

Why this dirt bike in closed competition was considered an “automobile”

November 25, 2022 by David Gambrill

A dirt bike driven in a closed course motocross competition is an “automobile” under Ontario’s auto accident benefits scheme, thus paving the way for a seriously injured driver to claim auto accident benefits from his auto insurer, the Ontario Court

Cra in driveway covered with snow
News ClaimsClaims CanadaInsuranceLegal

Walking towards your car, you slip and fall on ice. Is this an ‘auto accident’?

November 18, 2022 by David Gambrill

If you slip and fall on ice within 10-15 feet of your car, the car did not cause your fall, so that isn’t an ‘auto accident’ under the Statutory Accident Benefits Schedule (SABS), Ontario’s Licence Appeal Tribunal (LAT) ruled last

creepy rockabilly couple, girl is trying to get rid of her boyfriend who is clenching on the roof of her wildcat.
News ClaimsInsuranceLegal

Do you ‘occupy’ a car while hanging onto the window, trying to stop an auto theft?

October 19, 2022 by David Gambrill

If you are hanging out the window of your car trying to stop a thief from stealing it, and you are injured while falling from the open window after being dragged for 40 feet, you are not an “occupant” of

Starbucks Coffee Shop Drive Thru Window
News AdjustersClaimsInsuranceLegal

Who has right-of-way in Starbucks’ drive-through free-for-all?

October 18, 2022 by David Gambrill

A B.C. driver claiming the public auto insurer improperly found him at fault for a collision in a Starbucks’ drive-through has lost his case that he wasn’t at fault because none of the line-up lanes had priority. The Civil Resolution

Close up of a traffic light on yellow
News AdjustersCatastrophesClaimsInsuranceLegal

Who’s at fault in caution light crashes?

September 12, 2022 by David Gambrill

Canada’s dreaded amber light: it’s the source of numerous intersection crashes, resulting in untold insurance claims. If you are dispensing driver safety tips to clients, be sure to tell your insureds to watch out when turning left against yellow caution

Family home with car in the driveway
News Insurance

Is the personal lines hard market abating?

August 4, 2022 by Jason Contant

Personal lines in Canada’s property and casualty insurance industry still appear to be in the grip of a hard market cycle, with both personal auto and property premium rates generally showing high, single-digit rate increases. On average, personal auto quoted

A chalkboard with drawn arrows and circles depicting a gameplan for the winning shot in basketball
News BrokersClaimsInsurance

Intact’s game plan in personal auto

August 2, 2022 by Alyssa DiSabatino

Intact’s personal auto insurance premiums grew by 28% in 2022 Q2, but the company says its auto game plan is “not only pricing-driven,” the CEO reported during Intact’s recent earnings call.  “Equally important is how we manage claims and our