Kimberly Newton

The plaintiff was injured in a motor vehicle accident when she was allegedly cut off by an unidentified black pick-up truck.

She sought a declaration that she could access the $1 million limit under her OPCF 44R Family Protection Endorsement.

The insurer argued that the independent witness's statement to the investigating police officer was inadmissible hearsay and could not satisfy the endorsement's corroboration requirement.

The court held that the corroboration requirement in the insurance contract does not strictly require admissible evidence, and the hearsay statement to the police officer provided sufficient independent indication of an unidentified vehicle's involvement to trigger coverage.

The plaintiff brought a motion to add a proposed defendant to a motor vehicle accident claim after the presumptive two-year limitation period had expired.

The plaintiff argued she only discovered the proposed defendant's involvement when informed by the existing defendants' counsel, as the police report she received only showed two vehicles.

The proposed defendant argued the plaintiff was aware of his presence at the scene.

The Master found an issue of fact regarding discoverability and granted the motion to add the defendant, leaving the limitations defence to be pleaded and determined at trial.

The plaintiffs brought a motion to amend their statement of claim to add an insurer as a defendant for unidentified motorist coverage, over four years after learning an unidentified vehicle was involved in the accident.

The proposed defendant argued the claim was statute-barred.

The court applied recent appellate jurisprudence holding that the limitation period for an unidentified motorist claim does not begin to run until a demand for indemnity is made and refused.

As no demand had yet been refused, the limitation period had not expired, and the motion to amend was granted.