The applicant was injured in a motor vehicle accident and claimed attendant care and housekeeping benefits for services provided by his former wife, daughter, and a lawn care company.
The insurer denied the claims on the basis that the caregivers did not sustain an 'economic loss' as required by s. 3(7)(e) of the Statutory Accident Benefits Schedule.
A FSCO arbitrator and Director's Delegate upheld the denial, finding that mere loss of time did not constitute an economic loss.
On judicial review, the Divisional Court held that the standard of review was reasonableness, despite the concurrent jurisdiction of courts and arbitrators under the Insurance Act, and found the Delegate's interpretation of 'economic loss' as requiring a financial or pecuniary loss to be reasonable.