Civil Fraud Results In Denial Of Automobile Coverage

Earlier this month, the Ontario Court of Appeal in Wong v. Aviva Insurance Company of Canada (2024 ONCA 874) upheld an insurer's denial of automobile coverage as a result of deceptive and fraudulent conduct.

What Happened in Wong v. Aviva Insurance Company of Canada Case?

Ms. Wong was operating her mother's vehicle with consent when she was involved in a motor vehicle collision. Worried of potential criminal consequences of driving with an expired licence, Ms. Wong called her mother, Ms. Tieu, and asked her to come to the accident scene. Ms. Wong then asked her mother to say that she had been the one driving the car. Ms. Tieu agreed.

At the accident scene, Ms. Wong and Ms. Tieu convinced the other driver, Ms. Robertson to go along with the story. Ms. Wong and Ms. Tieu later went to the Collision Reporting Centre and named Ms. Tieu as the driver of vehicle on the necessary forms. Ms. Wong later called Aviva (who insured the vehicle) to report the