Following a jury verdict awarding damages for a motor vehicle collision, the trial judge determined collateral benefits, the statutory threshold for non-pecuniary loss, and the applicable deductible.
The plaintiff's award for future housekeeping was reduced to nil due to collateral benefits.
The defendant's threshold motion, brought after the jury verdict, was considered by the trial judge as required by statute.
The court found that while the plaintiff's impairments were permanent and important, they did not meet the "serious impairment" criterion under the Insurance Act and O. Reg. 461/96, particularly regarding substantial interference with employment or daily living activities, and lack of evidence on accommodation efforts.
Consequently, the plaintiff's claim for non-pecuniary loss was barred, and the $30,000 general damages award was reduced to nil.
The court also clarified that the indexed deductible amount in place at the time of the threshold determination applies, not the amount at the time of the accident.