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Insurer's premium financing arrangement could not circumvent statutory notice requirements for policy cancellation.
The applicant was injured in a motor vehicle accident and applied for statutory accident benefits.
Both Kingsway General and Lloyd's denied the claim, each arguing the other was responsible.
The preliminary issue was whether Kingsway General's policy was validly cancelled prior to the accident due to a missed premium financing payment to its related company, Kingsway Financial.
The arbitrator found that the premium financing arrangement was an attempt to circumvent the statutory notice requirements for cancellation under the Statutory Conditions.
The corporate veil was pierced, and the cancellation was deemed invalid for failing to provide statutory notice.
Kingsway General was held responsible for paying the benefits.
