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ARTICLE · 01 MAY 2020

Case Summary: Wage v Canadian Direct Insurance Incorporated

The Alberta Court of Appeal found that the territorial limitation provisions in the standard Alberta auto policy apply to the entire policy, such that if the insured is injured or killed in a jurisdiction other than Canada or the United States, there is no coverage under Section B and SEF44 Endorsement.

CanadaInsurance

Defence + Indemnity

April 2020

The Alberta Court of Appeal found that the territorial limitation provisions in the standard Alberta auto policy apply to the entire policy, such that if the insured is injured or killed in a jurisdiction other than Canada or the United States, there is no coverage under Section B and SEF44 Endorsement.

Wage v Canadian Direct Insurance Incorporated, 2020 ABCA 49

Facts + Issues

This matter involves the death of Ms. Wage, who was a pedestrian struck and killed by a motorcycle while vacationing in the Philippines. Ms. Wage's vehicle was insured under an SPF No. 1 standard Alberta auto policy (the "Policy") with an SEF 44 Endorsement issued by Canadian Direct Insurance. The Wage vehicle was parked in Edmonton at the time of the accident.

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