Applicant awarded pre-104 income replacement and attendant care benefits; insurer's preliminary exclusion motion dismissed.
The Applicant was severely injured in a motorcycle accident and applied for statutory accident benefits.
The Insurer raised a preliminary issue that the Applicant was precluded from claiming benefits because he was driving without valid insurance.
The Arbitrator found that the Applicant, who had purchased what he believed to be a legitimate policy from a third party, reasonably believed he was insured.
On the substantive issues, the Arbitrator awarded pre-104 income replacement benefits, finding the Applicant suffered a substantial inability to perform his pre-accident employment tasks due to cognitive and physical impairments.
However, the claim for post-104 income replacement benefits was dismissed as the Applicant had returned to work and earned more than his pre-accident income.
The Arbitrator also awarded attendant care benefits, finding the Applicant's family members sustained an economic loss, and granted ongoing housekeeping and home maintenance benefits.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesJan 29, 2018