A cyclist was injured by an unidentified motorist and applied to the Motor Vehicle Accident Claims Fund for statutory accident benefits.
The application lacked a police report.
The Fund later learned of a 911 call but delayed seeking a court order to obtain the call records for over seven months.
Once obtained, the records identified the motorist and their insurer, Pilot Insurance Company.
The Fund then notified Pilot of its intent to dispute priority.
The Court of Appeal held that while the application became functionally adequate when the 911 records were obtained, the Fund's lack of diligence in pursuing the records meant it should be treated as having received a completed application months earlier.
Consequently, the Fund failed to meet the 90-day notice requirement under s. 3 of O. Reg. 283/95 and remains responsible for paying the benefits.