2014 September

The History and Treatment of Damages in Canada

By // In Articles // 2014.09.18 // Read More

Author: Lawrence Bau

Introduction

The law of damages in Canada has undergone unique changes over the past 50 years which have helped shape the actions of Canadian society. The development of three areas of damages in Canada is of particular interest: non-pecuniary, punitive, and aggravated damages.

With respect to non-pecuniary damages, the Supreme Court of Canada, Canada’s highest court, implemented a series of rulings in the late 1970s which affected the way non-pecuniary damages were awarded. The rulings have had longstanding social implications. We will discover how the rule has been treated in subsequent cases and predict how it will likely fare in the future.

Determining Coverage in Cases Involving Multiple Concurrent Causes

By // In Articles // 2014.09.18 // Read More

Introduction

Insurance policies commonly contain clauses which stipulate which losses are covered and which are excluded under the policy. However, determining whether coverage applies can be complicated when a loss can be attributed to two concurrent causes, one of which is excluded from coverage. An example if where an explosion causes a fire on the insured’s property. Damage or loss from the explosion is covered but the fire is excluded from coverage.

Concurrent Causation and Insurance for Catastrophic Weather Events

By // In Articles // 2014.09.08 // Read More

One of the thorniest issues to deal with in insurance coverage matters is that of “concurrent causation”. The problem was illustrated again on the national stage last year when Albertans experienced massive overland flooding that also resulted in sewer back up. Typically, homeowner’s policies in Canada do not cover damage from flooding but many will include an endorsement for sewer back up. The events of 2013 presented insurers and insureds with the problem of how to handle losses directly caused by a sewer back up that is, itself, caused by an excluded flood.