{"id":8038,"date":"2022-02-14T15:16:45","date_gmt":"2022-02-14T20:16:45","guid":{"rendered":"https:\/\/360mediations.com\/en\/?p=8038"},"modified":"2022-02-14T15:16:49","modified_gmt":"2022-02-14T20:16:49","slug":"insurer-added-as-statutory-third-party-after-default-judgment-rendered","status":"publish","type":"post","link":"https:\/\/www.360mediations.com\/en\/insurer-added-as-statutory-third-party-after-default-judgment-rendered\/","title":{"rendered":"Insurer Added as Statutory Third Party after Default Judgment Rendered"},"content":{"rendered":"\n

\u00a0<\/p>\n

If an automobile insurance company refuses to defend their insured who is being sued for damages arising from a car accident, the insurer has a statutory right to be added as a third party to a claim where a plaintiff is seeking damages from that accident.\u00a0 The purpose of this scheme is to give the insurance companies standing in the lawsuit so as to be in a position to put the Plaintiff to the strict proof of liability and damages, which is important because in Ontario an insurer remains potentially responsible to pay the injured plaintiff up to $200,000 for any judgment obtained against the owner and\/or driver who thought they had the insurance coverage.\u00a0<\/p>\n

Normally the insurers are granted this relief as a matter of right, and this relief rarely goes challenged, provided the insurer proves that they took an off-coverage position with their insured.\u00a0<\/p>\n

However, in this case, the plaintiff challenged the motion, primarily because they took the position the motion was brought too late:\u00a0 more specifically, it was brought after the plaintiff obtained default judgment.\u00a0 In this particular instance, the plaintiff moved very quickly to note the defendant in default, and then obtain a default judgment in excess of $700,000.00.\u00a0 The plaintiff found it offensive that the insurer then strolled in and said they wanted to contest liability and damages as a Statutory Third Party, after giving their insured person notice that they were denying insurance coverage.<\/p>\n

The primary issue for the court was whether the insurance company lost the right to this relief on the basis of \u201cinsurer misconduct, waiver or prejudice.\u201d\u00a0 We still do not know the answer to this q uestion, because the court specifically took the position they didn\u2019t have to answer it.\u00a0 In this regard, the court said they were satisfied that the insurer took an off-coverage position, and:<\/p>\n

\u201cIn the circumstances of this case, I find it is unnecessary for me to determine whether the court has discretion to deny an insurer\u2019s application under s. 258(14). <\/em><\/p>\n

For the reasons that follow, the court finds that\u2026(the insurance company)\u2026 has satisfied the conditions for being made a statutory third party. Assuming the court has discretion to refuse the insurer\u2019s application due to waiver, misconduct or prejudice, I find that no such factors arise on this record that would justify dismissal of the insurer\u2019s application on that basis. Fairness in these circumstances requires that the motion be allowed.\u201d<\/em><\/p>\n

Hills v. Suitor<\/em><\/strong>, 2022 ONSC 914<\/p>\n

https:\/\/www.canlii.org\/en\/on\/onsc\/doc\/2022\/2022onsc914\/2022onsc914.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u00a0 If an automobile insurance company refuses to defend their insured who is being sued for damages arising from a car accident, the insurer has a statutory right to be added as a third party to a claim where a plaintiff is seeking damages from that accident.\u00a0 The purpose of this scheme is to give… Continue reading Insurer Added as Statutory Third Party after Default Judgment Rendered<\/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":[53,50,160],"tags":[],"class_list":["post-8038","post","type-post","status-publish","format-standard","hentry","category-court-practice","category-insurance-coverage","category-motor-vehicle-litigation","entry"],"yoast_head":"\nInsurer Added as Statutory Third Party after Default Judgment Rendered - 360Mediations<\/title>\n<meta name=\"description\" content=\"Automobile insurers have a statutory right to be added to a personal injury claim if they take an off coverage position with their insureds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.360mediations.com\/en\/insurer-added-as-statutory-third-party-after-default-judgment-rendered\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurer Added as Statutory Third Party after Default Judgment Rendered - 360Mediations\" \/>\n<meta property=\"og:description\" content=\"Automobile insurers have a statutory right to be added to a personal injury claim if they take an off coverage position with their insureds.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.360mediations.com\/en\/insurer-added-as-statutory-third-party-after-default-judgment-rendered\/\" \/>\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=\"2022-02-14T20:16:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-14T20:16:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.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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