The appellant insurer appealed an arbitrator's decision finding that the respondent pedestrian and her cohabitant were not spouses, which would have shifted liability for her accident benefits to the cohabitant's insurer.
The respondent and her cohabitant had lived together for over a decade but maintained separate finances, did not share a bedroom, and denied being romantically involved.
The Director's Delegate dismissed the appeal, finding no error in the arbitrator's application of the Molodowich criteria or his conclusion that the relationship was a close friendship rather than a conjugal one.
