The appellant was injured in an accident and applied for statutory accident benefits to Unifund, and later to Intact.
Both insurers denied payment.
The arbitrator refused to combine the two arbitrations and set a preliminary issue regarding a coverage exclusion under the Unifund policy.
On appeal, the Director's Delegate found the arbitrator erred in law.
The arbitrations were combined on consent, and the preliminary issue was redefined to apply the 'nexus test' to determine if Unifund, as the first insurer to receive the application, was obliged to commence payment of benefits pending any priority dispute.
Unifund was ordered to pay the appeal costs of both the appellant and Intact.