Limitation period for secondary insurer's reimbursement claim did not begin until primary insurer produced policy wording.
The appellant, a secondary insurer, paid for a claimant's expensive prescription drug after the respondent, the primary insurer, denied coverage.
The appellant later sued the respondent for reimbursement.
The motion judge found the appellant's claim was partially statute-barred because it was discovered when the appellant first learned of the denial in October 2009.
The Court of Appeal reversed, holding that the appellant could not have reasonably discovered its claim until the respondent finally produced the policy wording in September 2011.
The appeal was allowed and the respondent was ordered to fully reimburse the appellant.
Arcelormittal Dofasco Inc. v. Industrial Alliance Insurance and Financial Services Inc., 2016 ONCA 224