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Difference between revisions of "ICBC and Compulsory Coverage (12:X)"
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ICBC and Compulsory Coverage (12:X) (view source)
Revision as of 19:52, 23 August 2022
, 19:52, 23 August 2022→10. Forfeiture of Claims and Relief from Forfeiture
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Certain conduct by the insured or applicant can result in “forfeiture”, whereby the insured is deemed to have given up their right to be indemnified by ICBC. In this situation, the claim for indemnification becomes invalid. Apart from exclusions, a claim may be forfeited under s 75 of the ''IVA'' if: | Certain conduct by the insured or applicant can result in “forfeiture”, whereby the insured is deemed to have given up their right to be indemnified by ICBC. In this situation, the claim for indemnification becomes invalid. Apart from exclusions, a claim may be forfeited under s 75 of the ''IVA'' if: | ||
<blockquote> a) an applicant for coverage falsely describes the vehicle | <blockquote> a) an applicant for coverage falsely describes the vehicle in respect of which the application is made to the prejudice of the insurer (s 75(a)(i)); | ||
b) an applicant for coverage knowingly misrepresents or fails to disclose a fact | b) an applicant for coverage knowingly misrepresents or fails to disclose a fact required to be stated in it (s 75(a)(ii)); | ||
c) | c) then insured violates a term or condition of or commits a fraud in relation to the plan or the OIC (s 75(b); see [[{{PAGENAME}}#11. Breach of Conditions and Consequences | Section X.B.11: Breach of Conditions and Consequences]]; | ||
d) an insured makes a “wilfully false statement” with respect to | d) an insured makes a “wilfully false statement” with respect to the claim (s 75(c)).</blockquote> | ||
'''NOTE''': According to [https://www.canlii.org/en/bc/bcsc/doc/1994/1994canlii3304/1994canlii3304.html?autocompleteStr=brooks%20v%20insurance&autocompletePos=3 Brooks v Insurance Corporation of British Columbia], 1994 CanLII 3304 (BC SC), per Bouck J, the purpose of s 19(1)(e) (now ''IVA'', s 75(c)) is to prevent intentionally deceitful misstatements for the purpose of defrauding the insurer; “exaggerated guesses” by an insured as to the value of a lost motor vehicle, or figures inserted for the purpose of goading an insurer into action, are insufficient to deny coverage unless a fraudulent purpose on the part of the insured is shown. | '''NOTE''': According to [https://www.canlii.org/en/bc/bcsc/doc/1994/1994canlii3304/1994canlii3304.html?autocompleteStr=brooks%20v%20insurance&autocompletePos=3 Brooks v Insurance Corporation of British Columbia], 1994 CanLII 3304 (BC SC), per Bouck J, the purpose of s 19(1)(e) (now ''IVA'', s 75(c)) is to prevent intentionally deceitful misstatements for the purpose of defrauding the insurer; “exaggerated guesses” by an insured as to the value of a lost motor vehicle, or figures inserted for the purpose of goading an insurer into action, are insufficient to deny coverage unless a fraudulent purpose on the part of the insured is shown. | ||
