The Applicant was catastrophically injured when he lost control of an uninsured motorcycle.
The Insurer denied certain statutory accident benefits under s. 31(1)(a)(i) of the Schedule, arguing the Applicant had purchased the motorcycle that day and knew or ought reasonably to have known it was uninsured.
The Arbitrator found the Insurer failed to prove on a balance of probabilities that the Applicant had purchased the motorcycle or that an ordinary rational person in his circumstances ought reasonably to have known it was uninsured.
The Arbitrator also admitted the testimony of the Applicant's cousin despite late disclosure, and admitted a discovery transcript from a related priority arbitration.
The preliminary issue was resolved in the Applicant's favour.