
When an unidentified driver causes an accident, there may be no way to secure compensation for an injury, as the driver and the driver’s insurer may never be identified. This gap in coverage is addressed through mandatory uninsured/unidentified motorist coverage under s. 265 of the Insurance Act and optional OPCF-44R family protection coverage, both of which provide coverage in these circumstances. Writing for a unanimous three judge panel of the Ontario Court of Appeal in Rooplal v Fodor, 2021 ONCA 357, Justice Thorburn clarified the current state of the law on limitation periods in the context of suing insurers for ... [more] Full article