The applicant sought income replacement benefits (IRBs) following a motor vehicle accident.
The respondent insurer raised a preliminary issue, arguing the applicant was barred from claiming IRBs under s. 31(1)(b) of the Statutory Accident Benefits Schedule because she intentionally failed to notify the insurer of a material change in risk.
Specifically, the insurer alleged the applicant moved from Quebec to Ontario prior to the accident but maintained her Quebec-based insurance policy, which carried a significantly lower premium.
The Tribunal found that the applicant had been residing and working in Ontario since February 2016, prior to the April 2017 accident, and failed to disclose this change to the insurer.
The Tribunal concluded this was a material misrepresentation that prejudiced the insurer.
The applicant's claim for IRBs was barred, and her request for relief from forfeiture and costs were dismissed.