The applicants sought accident benefits following an alleged motor vehicle collision.
The insurer denied the claims, alleging the accident was staged and the applicants made material misrepresentations.
At a preliminary issue hearing, the arbitrator heard evidence from the applicants, the occupants of the other vehicle (who confessed to participating in a staged accident scheme), and accident reconstruction experts.
The arbitrator found the applicants' version of events highly improbable, noting inconsistencies between their testimony and the physical damage to the vehicles, the lack of independent witnesses, and the improbable behaviour of the passengers.
The arbitrator concluded the reported accident did not occur and dismissed the claims.
