Arbitration Awards

Should you wish to retain Scott as a private arbitrator, please contact him directly at scott@densemadr.com to determine his availability to accept the appointment.

Accident (SABS Definitions, s. 2)

• HMQ v. Jevco, August 2, 2011
• TTC v. Lombard Canada, May 29, 2012
• Applied in Barros v. Shah et al., 2012 ONSC 3693 (CanLII)

Accident (SABS Definitions s. 2, SABS Reg. 283/95 s. 3 Pre-September, 2010, Waiver, Estoppel)

• HMQ v. Belair, January 11, 2017

Arbitration Costs (Arbitration Act, 1991, s.54; SABS Reg. 283/95, s.9)

• Economical v. Aviva, August 22, 2014
• Jevco v. Pafco, January 18, 2016
• Wawanesa v. AXA, May 24, 2016
• Dominion v. State Farm & Aviva, April 7, 2020

Completed Application (Ont. Reg. 283/95, s.3)

• HMQ v. Jevco, January 25, 2012

Deemed Named Insured (SABS 3(7) (f)), (OPF 1, 2.2.3), (OPCF 5)

• Liberty v. Unifund, June 15, 2015

Deemed Named Insured (Pre-September, 2010, SABS s. 66)

• Economical v. Kingsway, August 9, 2010
• Dominion v. Federated, October 31, 2012

Expense Recovery in Priority Disputes

• HMQ v. Guarantee Company, July 25, 2012

Funeral Benefit Incurred (Pre-September, 2010, SABS s.26)

• Wawanesa v. Markel, August 28, 2015

Insured Person (SABS s.2(1) and Excluded Driver

• State Farm v. Wawanesa, March 10, 2016

Insurer (SABS Reg. 283/95, s. 2)

• Wawanesa v. AXA, May 31, 2011

Limitation Period (Insurance Act s. 275 – Loss Transfer)

• Federation v. Kingsway, December 16, 2010
• Affirmed in Markel Insurance Company of Canada v. ING Insurance Company of Canada, and Federation Insurance Company of Canada v. Kingsway General Insurance Company, 2012 ONCA 218 (CanLII)

Limitation Period (SABS Reg. 283/95, s. 7 (3))

• Dominion v. State Farm & Aviva, November 18, 2019

Loss Transfer (Insurance Act, s. 275) Apportionment of Loss Transfer Indemnification

• Jevco v. Pafco & Co-operators, August 7, 2014

Loss Transfer (Insurance Act, s. 275) Fault Determination Rules

• Security National v. Zurich, May 31,2013
• Economical v. Northland, July 2, 2013
• Applied in State Farm v. Old Republic, 2014 ONSC 3887 (CanLII)
• TD v. Intact, September 18, 2013
• Jevco v. Economical, March 15, 2017

Loss Transfer (Insurance Act, Reg. 664) Heavy Commercial Vehicle, Waiver, Estoppel

• Intact v. St.Paul Fire, November 4, 2013
• Belair v. Northbridge, April 25, 2023

Loss Transfer (Insurance Act, s. 275) Requirements for Indemnity Claim

• Economical v. The Cooperators, November 6, 2012
• St. Paul v. Intact, March 21, 2014
• Affirmed; 2014 ONSC 6039 (CanLII)
• Leave to Appeal Refused, February 26, 2015 (Ont. C.A.)

Notice of Dispute Between Insurers (SABS Reg. 283/95, s.3)

• Economical v. HMQ, March 28, 2013
• State Farm v. Zurich, February 12, 2014
• Economical v. North Waterloo, January 7, 2015
• Unifund v. Travelers, March 29, 2018

Optional SABS (Insurance Act, s. 268, OPCF 47)

• Co-operators v. Liberty, September 17, 2019
• Co-operators v. Certas, September 17, 2019

Policy Coverage (Insurance Act 268 (5.2), “Occupant”, “Deemed Named Insured”)

• Aviva v. Northbridge, May 31, 2019

Policy Coverage (Insurance Act s. 224 (1) “occupant” – “passenger”, s. 268 2 (2) iii. “involved in the incident”)

• HMQ v. AXA, March 31, 2020

Policy Coverage (OPCF16)

• Economical v. State Farm, June 27, 2013
• Affirmed; 2014 ONSC 6030 (CanLII)

Policy Coverage (OPCF1, Commercial Umbrella Liability)

• Dominion v. HMQ, February 24, 2016

Policy Termination (Agency)

• Echelon v. Coachman & Economical , February 1, 2013

Policy Termination (Non-Renewal)

• HMQ v. AXA, May 12, 2016
• Affirmed; 2018 ONCA 809

Policy Termination (Reg. 777/93 – Statutory Conditions)

• Economical v. Royal & Sun Alliance, February 14, 2013

Principal Dependency (SABS Definitions, s. 2 (6))

• Zurich v. Economical, November 2, 2010
• Intact v. State Farm, April 19, 2011
• Economical v. Aviva, January 29, 2013
• Aviva v. State Farm, May 14, 2013
• Intact v. HMQ, July 10, 2013
• Jevco v. TD, October 16, 2015
• Dominion v. State Farm, January 31, 2022
• Dominion v. Gore & Certas, May 5, 2022

Reasonable Investigation, Withdrawal of Priority Acceptance, Restitution (SABS Reg. 283/95 s. 3.1, 7 (6))

• HMQ v. Echelon, August 29, 2017
• Affirmed; 2018 ONSC 4550
• Aviva v. HMQ, March 1, 2021

Spouse (SABS Definitions 3 (1)

• Certas v. HMQ, April 17, 2018
• Applied in Holtzhauer v. Intact Insurance Company of Canada, 2023 ONSC 436 (CanLII)

Withdrawal of Priority Acceptance, Equitable Relief

• Aviva v. HMQ, March 1, 2021