Leave granted to amend claim and add insurer despite limitation argument.
The plaintiffs brought a motion for leave to amend their statement of claim to add claims on behalf of their minor children under the Family Law Act and to add their own insurer as a defendant under the OPCF 44 Family Protection Endorsement due to potential underinsurance of the defendants.
The insurer opposed the amendment, arguing that the claim was barred by the 12‑month limitation period under the endorsement because the plaintiffs ought to have known earlier that their damages exceeded the available $200,000 coverage.
The court considered the limitation trigger articulated by the Court of Appeal, requiring a body of evidence giving a reasonable chance of persuading a judge that damages exceed the policy limits.
On the record before the court, the medical evidence and damages assessment were insufficiently developed to determine that the limitation period had expired.
Leave to amend the claim and add the insurer was granted, with the insurer permitted to plead a limitation defence.
Peter Lalousis and Maria Lalousis v. Jopie Roberts and Adella Steele, 2013 ONSC 1699