SUPREME COURT OF CANADA

Date: 20150417 Docket: 36002

Between

Zurich Insurance Company

Appellant

and

Chubb Insurance Company of Canada

Respondent

Coram: Abella, Rothstein, Cromwell, Karakatsanis, Wagner, Gascon and Côté JJ.

Reasons for Judgment: (para. 1)

The Court

Zurich Insurance Co. v. Chubb Insurance Co. of Canada, 2015 SCC 19, [2015] 2 S.C.R. 134

Zurich Insurance Company Appellant

v.

Chubb Insurance Company of Canada Respondent

Indexed as: Zurich Insurance Co. v. Chubb Insurance Co. of Canada

2015 SCC 19

File No.: 36002.

2015: April 17.

Present: Abella, Rothstein, Cromwell, Karakatsanis, Wagner, Gascon and Côté JJ.

on appeal from the court of appeal for ontario

Insurance — Automobile insurance — Statutory accident benefits scheme — Claimant having declined optional motor vehicle liability policy from insurance company upon renting vehicle subsequently injured in single-vehicle accident — Insurance company refusing to provide benefits available under statutory scheme — Nexus between insurer and claimant — Application judge correctly found that arbitrator erred in concluding that insurance company not an insurer for purposes of statutory scheme — Insurance Act, R.S.O. 1990, c. I.8, s. 268 — Disputes Between Insurers, O. Reg. 283/95 .

APPEAL from a judgment of the Ontario Court of Appeal (Juriansz, Pepall and Pardu JJ.A.), 2014 ONCA 400 , 120 O.R. (3d) 161, 319 O.A.C. 287, 379 D.L.R. (4th) 427, 65 M.V.R. (6th) 159, 34 C.C.L.I. (5th) 216, [2014] I.L.R. I-5615, [2014] O.J. No. 2330 (QL), 2014 CarswellOnt 6274 (WL Can.), setting aside the decision of Goldstein J., 2012 ONSC 6363 , 15 C.C.L.I. (5th) 287, [2013] I.L.R. I-5360, [2012] O.J. No. 5336 (QL), 2012 CarswellOnt 14170 (WL Can.). Appeal allowed.

Eric K. Grossman , Michael Warfe and Kate M. MacLeod , for the appellant.

Eugene Meehan , Q.C. , and George Kanellakos , for the respondent.

The following is the judgment delivered orally by

[ 1 ] The Court — We are of the view that the appeal should be allowed with costs for the reasons of Juriansz J.A.

Judgment accordingly.

Solicitors for the appellant: Zarek Taylor Grossman Hanrahan, Toronto.

Solicitors for the respondent: Supreme Advocacy, Ottawa; KBM Law, Toronto.