The plaintiffs brought a motion for partial summary judgment arising from a fatal motor vehicle collision, seeking declarations that two separated spouses were both owners of the vehicle under s.192 of the Highway Traffic Act and that their respective insurers each provided $1,000,000 in liability coverage.
The court held that indicia of ownership demonstrated that the driver was an owner of the vehicle despite the other spouse being the registered owner.
The court further held that consent between co‑owners was legally irrelevant where one owner operated the vehicle, making both owners liable.
Applying principles of equitable contribution and the Insurance Act, the court concluded that both owner policies were primary and each insurer was liable up to its policy limit, making $2,000,000 potentially available to satisfy the loss.
The plaintiffs’ motion for partial summary judgment was granted and the co‑owner’s motion for summary judgment was dismissed.