Client Update: 2015 Minor Injury Cap

In a nutshell, the SPF 6 provides liability coverage for accidents involving so-called non-owned vehicles.

Ontario's 2026 auto insurance reforms converted most accident benefits from mandatory to optional coverage, creating significant gaps in protection for pedestrians, cyclists, and unlisted drivers. Understanding these changes and taking proactive steps before your policy renewal could mean the difference between comprehensive coverage and devastating financial exposure after an accident.

The Ministry of the Attorney General announced today that effective May 1, 2021, British Columbia's motor vehicle insurance system will change to a "care-based" model

Earlier today, the Alberta government introduced legislation providing for the licensing and supervision of captive insurance companies in Alberta...

Ontario is implementing major changes to auto insurance accident benefits starting July 1, 2026, shifting most coverage from mandatory to optional. Income replacement, caregiver benefits...

After making an initial investment in HIAL in 2021, Western acquired the remaining outstanding shares of HIAL on May 1, 2023. This transaction reinforces Western's service offering...

Premium credit cards often include rental car insurance, but many Canadians misunderstand what this coverage actually protects. While collision damage waivers may cover the rental vehicle itself, they typically exclude liability for injuries to others, personal belongings, and certain vehicle types. Understanding these limitations before declining the rental company's insurance can prevent costly surprises after an accident.

A recent decision of the Office of the Privacy Commissioner of Canada (the "Commissioner"), finding that analyzing a customer's credit rating does little to help counter insurance fraud...

When an insurance company denies your motor vehicle accident claim or offers a settlement that seems inadequate, understanding your legal options becomes critical. Alberta drivers facing claim disputes need to know whether they must accept the insurer's decision, what evidence can strengthen their position, and when legal representation may help secure fair compensation for injuries and losses.

When faced with sudden emergencies, drivers may be held to a lower standard of care under the Agony Doctrine. A case out of the Ontario Court of Appeal ruled that a driver with only seconds...