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Mother not vicariously liable for son's unauthorized use of vehicle; passenger excluded from uninsured coverage.
The plaintiff was injured in a motor vehicle accident while a passenger in a van driven by a 16-year-old unlicensed driver.
The driver had taken the van, owned by his mother, without her permission while she slept.
In this liability trial, the court found the driver negligent but dismissed the claims against the mother, finding she did not give express or implied consent to possession of the vehicle and was not negligent in securing her keys.
The court also found the plaintiff ought to have known the vehicle was taken without consent, thereby excluding him from uninsured motorist coverage under the mother's insurance policy.
Insurer's settlement of accident benefits claim does not preclude relying on policy exclusion in tort action.
The Minister of Finance, on behalf of the uninsured defendant driver, brought a motion seeking to preclude the co-defendant insurer from relying on a policy exclusion for operating a vehicle without consent.
The moving party argued that because the insurer had previously settled the plaintiff's statutory accident benefits claim, relying on the exclusion in the tort action constituted an abuse of process.
The court dismissed the motion, finding that the accident benefits settlement was explicitly without prejudice and did not constitute an admission of liability that would prevent the insurer from defending the tort claim on its merits.
