{"id":8963,"date":"2022-07-15T10:34:33","date_gmt":"2022-07-15T14:34:33","guid":{"rendered":"https:\/\/360mediations.com\/en\/?p=8963"},"modified":"2022-07-15T10:34:37","modified_gmt":"2022-07-15T14:34:37","slug":"corroboration-of-unidentified-vehicle-involvement-for-opcf44r-coverage-can-be-hearsay-evidence","status":"publish","type":"post","link":"https:\/\/mail.360mediations.com\/en\/corroboration-of-unidentified-vehicle-involvement-for-opcf44r-coverage-can-be-hearsay-evidence\/","title":{"rendered":"Corroboration of Unidentified Vehicle Involvement for OPCF44R Coverage can be Hearsay Evidence"},"content":{"rendered":"\n

Most automobile insurance polices in Ontario are purchased with an OPCF44R endorsement, commonly referred to as the \u201cFamily Protection Endorsement.\u201d\u00a0 It provides a lot of additional protection, and in this instance, the plaintiff was seeking additional insurance coverage for being injured at the hands of a vehicle that could not be properly identified (nor its driver).<\/p>\n

Because this type of coverage is subject to a lot of potential abuse, the contract requires the plaintiff to establish through corroborating evidence that there indeed was some kind of interaction with an unidentified vehicle\/driver: otherwise it would be very easy for every driver who lost control of their vehicles to simply assert that it was because of some unknown third party vehicle that interfered.<\/p>\n

The \u201ccorroboration\u201d issue came to a head in this recent decision because the only “evidence” that the plaintiff could produce, beyond her own words that she was cut off by a black pick-up truck, was a statement made by the police to the effect that they spoke with a person at the scene who said they witnessed the plaintiff being cut off by a black pick-up truck.\u00a0 The main problem?: the police never took down the \u201cwitnesses\u201d name or contact particulars because the witness had no identifying information for the suspect black pickup truck.<\/p>\n

The challenge for the court was whether this \u201chearsay\u201d evidence was sufficient to satisfy the corroboration requirement of the endorsement.\u00a0<\/p>\n

The court concluded that it was sufficient.\u00a0 The court held: \u201cIn my view, bearing in mind the consumer protection purpose to insurance regulation and the very specific contractual requirement for corroboration \u201cindicating\u201d (not \u201cproving\u201d) involvement of an unidentified vehicle, the corroboration requirement can be satisfied by hearsay. The fact that someone stopped and waited and spoke to the officer does not meet the reliability requirement of the principled exception to the hearsay rule. But it meets the independence and materiality requirements of the contract. The idea is not to unfairly exclude or restrict coverage. Rather, the goal is to ensure that the insurer has a fair assurance, external to the plaintiff herself, that an unidentified driver was involved. The fact that a police officer conducted a form of investigation and that the hearsay comes from his mouth (or notes) rather than from the Plaintiff, is independent witness evidence that is sufficient, in my view, for a reasonable insurer to conclude that the Plaintiff is not making up her story.\u201d<\/span><\/p>\n

It is important to note that the court was not making a ruling on whether there was indeed a black pickup truck involved: that remained the task for the trial judge.\u00a0 The purpose of the court\u2019s ruling was to assist the parties determine if the OPCF44R coverage was triggered, as this would have a significant impact for the parties.\u00a0 Indeed, because the court concluded there was sufficient corroboration to trigger the OPCF44R coverage, the parties now are aware that they are fighting over $1,000,000.00 in coverage, rather than $200,000.00.\u00a0 It is apt to assist the parties tremendously in further negotiations now that the coverage amounts have crystalized.<\/p>\n

Aditi v. Doe<\/em><\/strong>, 2022 ONSC 4049<\/p>\n

https:\/\/www.canlii.org\/en\/on\/onsc\/doc\/2022\/2022onsc4049\/2022onsc4049.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Most automobile insurance polices in Ontario are purchased with an OPCF44R endorsement, commonly referred to as the \u201cFamily Protection Endorsement.\u201d\u00a0 It provides a lot of additional protection, and in this instance, the plaintiff was seeking additional insurance coverage for being injured at the hands of a vehicle that could not be properly identified (nor its… Continue reading Corroboration of Unidentified Vehicle Involvement for OPCF44R Coverage can be Hearsay Evidence<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[150,50,160],"tags":[217],"class_list":["post-8963","post","type-post","status-publish","format-standard","hentry","category-contract-law","category-insurance-coverage","category-motor-vehicle-litigation","tag-family-protection-endorsement","entry"],"yoast_head":"\nCorroboration of Unidentified Vehicle Involvement for OPCF44R Coverage can be Hearsay Evidence - 360Mediations<\/title>\n<meta name=\"description\" content=\"Corroboration in this contractual setting requires just some independent evidence, including hearsay evidence, that an unidentified vehicle owner\/driver was involved.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mail.360mediations.com\/en\/corroboration-of-unidentified-vehicle-involvement-for-opcf44r-coverage-can-be-hearsay-evidence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Corroboration of Unidentified Vehicle Involvement for OPCF44R Coverage can be Hearsay Evidence - 360Mediations\" \/>\n<meta property=\"og:description\" content=\"Corroboration in this contractual setting requires just some independent evidence, including hearsay evidence, that an unidentified vehicle owner\/driver was involved.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mail.360mediations.com\/en\/corroboration-of-unidentified-vehicle-involvement-for-opcf44r-coverage-can-be-hearsay-evidence\/\" \/>\n<meta property=\"og:site_name\" content=\"360Mediations\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/360Mediations-120028596572318\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/360Mediations-120028596572318\" \/>\n<meta property=\"article:published_time\" content=\"2022-07-15T14:34:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-15T14:34:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/mail.360mediations.com\/en\/wp-content\/uploads\/2022\/01\/COURT-DECISIONS-360MEDIATIONS-1x1-1.png?fit=406%2C322&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"406\" \/>\n\t<meta property=\"og:image:height\" content=\"322\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"David M. 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