The insurer brought a motion for summary judgment seeking dismissal of an action for indemnity under uninsured and family protection coverage following a motor vehicle accident involving an uninsured driver.
The insurer argued the action was statute‑barred and that the insureds failed to comply with the 30‑day notice requirement under Ontario Regulation 676.
The court held that the two‑year limitation period under the Limitations Act, 2002 applied and began when the insured demanded indemnification from the insurer, consistent with appellate authority governing OPCF 44R claims.
The court further found the insureds’ late notice constituted imperfect compliance and granted relief from forfeiture under the Insurance Act and Courts of Justice Act, noting minimal prejudice to the insurer and significant disparity between the breach and the loss of coverage.
The insurer’s summary judgment motion was dismissed.