The Supreme Court of Canada recently announced that they will
not hear an appeal from an Ontario women injured in a 2012
motorcycle accident in British Columbia. This decision effectively
upholds the finding of Ontario's Superior Court of Justice in
the case of Forsythe v. Westfall, 2015 ONSC 758.
Forsythe was a resident of Ontario and a passenger on a
motorcycle for a road trip through B.C. The driver of the
motorcycle, Westfall, was a resident of Alberta. Westfall lost
control of the motorcycle, resulting in injuries to both parties.
Westfall claims that an unidentified oncoming vehicle swerved into
his lane, ultimately causing the accident.
Forsythe had entered into a contract of insurance with her
provider, Intact, in Ontario.
Forsythe commenced an action in Ontario for damages against
Westfall. She also sought coverage under her family protection
endorsement which provides coverage in cases where at-fault parties
are unidentified, uninsured or underinsured. She argued that,
because her contract of insurance was entered into in Ontario, that
was the appropriate place for the matter to be tried.
Westfall, however, brought a motion to stay the proceedings on
the basis that an Ontario court did not have jurisdiction over the
dispute – he was neither a resident of Ontario nor did the
accident occur there. The Ontario Superior Court agreed with
Westfall and held that Ontario was not the right place for Forsythe
to sue Westfall. Ultimately, it was determined that her policy of
insurance was irrelevant to the issue of where to sue the Alberta
resident arising from an accident that occurred in B.C.
Forsythe also attempted to rely upon the doctrine of "forum
of necessity," which allows a court to dismiss a case where
another court is much better suited to hear the case. To that end,
she argued that trying the matter in B.C. would force her to
litigate her tort claim in that province while pursuing her
contractual claim against Intact in Ontario. Trying both matters in
one jurisdiction would prevent a multiplicity of proceedings
arising from the same incident. To the contrary, the Court held
that Forsythe was not without a forum to advance her claim –
she was free to pursue her action in a B.C. court. Although the
Court acknowledged the inconvenience this may pose, inconvenience
is not sufficient to require application of the doctrine.
The Superior Court decision was upheld on appeal to the Court of
Appeal. The Supreme Court's recent decision not to hear a
further appeal affirms that an insured must sue their own insurer
in Ontario and sue the tortfeasor in the province where the
accident occurred or where the tortfeasor resides.
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In an October 3, 2016 preliminary issue hearing Adjudicator Marzinotto of the License Appeal Tribunal allowed an applicant to proceed to a hearing disputing both entitlement to Income Replacement Benefits and Non Earner Benefits.
On August 4, 2016, the Ontario Court of Appeal released its decision in Intact v. Allstate and changed the correctness standard of review for appeals from private arbitrations to one of reasonableness.
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