The plaintiffs brought an action under s. 258(1) of the Insurance Act to recover insurance monies to satisfy a judgment arising from a settlement in a personal injury action.
The issue was which insurer—Gore Mutual (insurer of the vehicle owner) or Allstate (insurer of the injured passenger)—should satisfy the judgment.
The motion judge found Gore liable, concluding that the vehicle owner had not breached the insurance policy's cooperation clause and, alternatively, that relief from forfeiture was available.
Gore appealed, arguing the vehicle owner breached the policy by failing to cooperate and failing to provide updated contact information.
The Court of Appeal dismissed the appeal, holding that the vehicle owner's conduct did not constitute substantial non-cooperation as required to breach the cooperation condition.