The plaintiff, Hassan Iman Mame, brought a combined tort and accident benefits action following a motor vehicle accident.
After a jury verdict assessing non-pecuniary damages at $45,000, the trial judge conducted a threshold motion under s. 267.5 of the Insurance Act to determine if the plaintiff's injuries met the "permanent serious impairment of an important physical, mental or psychological function" test.
Despite the jury's assessment, the court found that the plaintiff's evidence, even at its highest, did not demonstrate an impairment that substantially interfered with most usual activities of daily living as required by O.Reg. 381/03.
Consequently, the plaintiff was not entitled to non-pecuniary damages, which would have been subject to a statutory deductible.
The plaintiff was awarded $50,000 for pecuniary losses as assessed by the jury, and the accident benefits action against State Farm was dismissed based on the jury's negative answer.