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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.

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.

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.

When purchasing property insurance, many property owners focus on the insured value of their building—but an equally important question is: How much would it actually cost to rebuild if it were destroyed? This is known as your Replacement Cost Value (RCV).

As wildfires become increasingly severe across Canada, understanding your insurance coverage and taking preventive measures can mean the difference between adequate compensation and devastating financial loss. Learn the critical steps to protect your property, avoid common claim pitfalls, and ensure your broker has properly covered you for full replacement costs.

An Alberta court examines whether property insurers must replace all exterior siding when hail damages only portions of a home, but sun-bleached existing materials create permanent, visible color mismatches that affect property value. The decision clarifies when partial repairs fail to meet policy requirements for restoration with property of like kind and quality.

Insurance policies are often viewed as some of the most difficult contracts to read. To many policyholders, they can feel dense, technical, and full of cross-references that seem to send the reader in circles.

Summer involves adventure and travel, and for many, that includes renting a car. What most people don’t realize is how big a role insurance coverage plays if a motor vehicle collision happens. Renters often drive without fully understanding their existing coverage or what additional coverage they may need.

On July 1, we once again celebrated Canada Day, a statutory holiday across the country that commemorates the unification in 1867 of the colonies of Nova Scotia, New Brunswick, and the Province of Canada into a single country called the Dominion of Canada.

The Ontario Superior Court has ruled that fees received by insurers for surety products written in Ontario are subject to the 3% premium tax under the Corporations Tax Act. This decision clarifies the tax treatment of surety bonds by interpreting ambiguous statutory language through reference to federal Income Tax Act provisions and legislative history. Insurers licensed to write surety business in Ontario should review their premium-tax reporting practices in light of this ruling.

Le propriétaire d’un immeuble a apporté des centaines de modifications à la conception et il a ajouté pour plus de 2,7 millions $ de travaux supplémentaires, a refusé d’accorder des prolongations de délai, puis a tenté de réclamer à son entrepreneur des dommages-intérêts liquidés pour les retards qui en ont résulté.

Deepfakes are reaching courts. Learn how a U.S. case dismissed for AI-generated evidence and Canadian authentication rules are changing what litigators must do now.

The Supreme Court of Canada has unanimously struck down a privative clause in the Conflict of Interest Act that attempted to bar judicial review of the Ethics Commissioner's decisions. The ruling establishes that the Constitution guarantees a minimum of legality review over all administrative decisions, with implications extending to labour relations, workers' compensation, and immigration legislation containing similar clauses.

Une fiducie de placement immobilier inscrite en bourse a réussi à restructurer environ 1 milliard de dollars de dettes en défaut en utilisant un plan d'arrangement en vertu de la LCSA, évitant ainsi une procédure formelle d'insolvabilité sous la LACC. Cette décision judiciaire démontre comment les outils du droit des sociétés peuvent servir d'alternatives efficaces aux procédures d'insolvabilité traditionnelles pour les sociétés ouvertes

When a building owner issued hundreds of design changes worth over $2.7 million in extra work but refused to grant schedule extensions, could they still claim liquidated damages for delays? The BC Court of Appeal's decision in CIMIC Morningstar Investments Ltd. v. Chandos Construction Ltd. examines four critical principles that construction parties must understand when managing delay disputes, including notice compliance, promissory estoppel, and the prevention principle.

La Cour d'appel de l'Ontario a statué qu'un contrat de construction conclu en 2020 demeure régi par l'ancienne Loi sur le privilège dans l'industrie de la construction, malgré l'entrée en vigueur de la nouvelle Loi sur la construction en 2018. Cette décision soulève des questions cruciales pour les entrepreneurs et propriétaires sur les délais applicables et les droits de privilège dans les projets de longue haleine.

Le gouvernement du Canada propose de modifier les règles fiscales pour exempter les transferts de polices d'assurance-vie entre conjoints des règles de juste valeur marchande réputée. Cette modification permettrait aux conjoints bénéficiaires de recevoir des reçus de don plus élevés lorsqu'ils font don de ces polices à des organismes de bienfaisance, tout en augmentant potentiellement les dons reçus par ces organismes.

Can the federal government regulate registered charities and revoke their status, or does the Constitution reserve this power exclusively to the provinces? Courts are now grappling with this question in constitutional challenges that could reshape charity oversight across Canada.

A publicly listed REIT successfully restructured approximately $1 billion in defaulted debt through a CBCA plan of arrangement without filing for CCAA protection, demonstrating how corporate law mechanisms can serve as practical alternatives to formal insolvency proceedings. The Ontario Superior Court's decision in Re Ravelin Properties REIT also clarified that confidential restructuring negotiations do not necessarily trigger material change disclosure obligations for public companies.

La fiducie familiale est un outil de planification fiscale et successorale largement utilisé par les familles entrepreneuriales canadiennes. Elle permet notamment de mettre en place un gel successoral, de faciliter le transfert graduel du patrimoine à la prochaine génération, de maintenir un certain contrôle sur les actifs et, dans certains cas, d’en assurer une meilleure protection.