J.J. V Jevco Insurance, 2020 CanLII 30393 (ON LAT)

The Licence Appeal Tribunal has re-affirmed that newly acquired vehicles are automatically covered under existing automobile policies for the first fourteen days after purchase.  This in spite of the insurer's objections that the applicant subjectively believed his motorcycle not to be insured at the time of the accident and the fact that the insurer did not offer insurance coverage for motorcycles.

In J.J. v Jevco Insurance, 2020 CanLII 30393 (ON LAT), Vice-Chair Flude concluded that the applicant was insured to drive his motorcycle at the time of the accident and not precluded from receiving income replacement benefits, visitor expenses, and housekeeping and home maintenance benefits.  Jevco Insurance had sought to deny these benefits on the basis that the applicant was driving his motorcycle when he knew or ought to have known it was not insured at the time of the accident, relying on s. 31(1)(a) of the Statutory Accident Benefits Schedule, O Reg 34/10.