In Iannarella v. Corbett 2015 ONCA 110, released February 17, 2015, the Court of Appeal has bolstered the right of plaintiffs to obtain surveillance particulars, but in doing so it seems to have unnecessarily created a serious problem: it held that a party is obliged by a combination of rules 30.06 and 30.07(b) to provide an updated affidavit of documents listing any surveillance reports (and therefore presumably any privileged documents) created after the party’s affidavit of documents has been sworn. Lawyers may be kept busy preparing updated affidavits of documents.
Most novice and young drivers know the graduated licensing rules. Most of their parents do not. And very few people, young or old, appreciate the insurance implications that arise from violations of the graduated licensing rules, or the devastating personal consequences that can flow when coverage is not available because these rules are not followed. These results come from judicial interpretation of the graduated licensing regulations in several little-known court decisions.
The consequences of driving without car insurance can be severe and life-altering. What follows is a description of just how bad it can get if you drive without insurance.
Violation of any of the conditions of your driver’s licence may void your liability and collision insurance coverage, because under statutory condition 4 (1) of the standard Ontario auto policy (OAP1), “the insured shall not drive or operate or permit any other person to drive or operate the automobile unless the insured or other person is authorized by law to drive or operate it.” For the same reason, if the owner of a vehicle permits the driver to use the vehicle while any of the driver’s conditions are being violated, the owner risks voiding his or her insurance coverage. To avoid coverage issues, make sure you understand and follow all of the conditions applicable to your driver’s licence, as well as those of anyone you allow to drive your vehicle.
An unnecessary bureaucracy has spawned from the 2004 decision of the Court of Appeal in D.P. v. Wagg (2004), 71 OR (3d) 229, 239 DLR (4th) 501.
D.P. v. Wagg was a civil sexual assault case. There had been a criminal sexual assault charge arising from the same incident which gave rise to the lawsuit, and the plaintiff in the civil suit wanted production of the Crown brief. The defendant in fact had possession of the Crown brief, having received it in the criminal proceedings, and the plaintiff did not.