1 Trial Lawyers Association Ontario Lawyers Division Conference New by: Submitted LLP Lerners & Solicitors Barristers Box 2335 PO "MANAGING SUBROGATED CLAIMS" Friday, March 23, 2007 London Ontario N6A 4G4 Phone:
2 INDEX What is Subrogation? 1 Subrogatecl Claims in a Personal Injury Practice 3 C)HIP 3 C rimir al Injuries Compensation Board 4 WSIB 5 C;or tractual Subrogatior 6 Quasi-$ul rogation 6 Managing the Subrogated Claim 7
3 "Subrogation" is defined in Black's Law Dictionary as: substitution of one person in the place of another with The to a lawful claim, demand or right, so that he who is reference succeeds to the rights of the other in relation to the substituted or claim, and its rights, remedies, or securities The lawful debt of a third party in place of a party having a claim substitution another, party. Insurance companies, guarantors and against the party whom they compensate and sue any party who the of party could have sued. compensated insureds and then launches a lawsuit, in the name of its insured, against the negligent party or ABC Fuel Company. Black's Law Dictionary, Definitions of the Terms and Phrases of American and English Jurisprudence, Ancient and Modern, Henry Campbell Black, Fifth Edition, What is Subrogation? bonding companies generally have the right to step into the shoes There are a number of good texts dealing with the issue of subrogation itself. Craig Brown's loose leaf text, Insurance Law in Canada, has an entire chapter devoted to the issue of subrogation. 2 In the insurance law context about which Craig Brown writes, the type of subrogation described occurs when an insurance company pays out the claim of one of its parties responsible for the loss, with the intent of recouping, in whole or in part, the damages that had been paid out by the insurer to the innocent insured. This paper does not purport to deal with subrogated claims advanced by an insurer after having paid out an insurance loss claim. Nonetheless, to illustrate, by way of example in this scenario, consider the following facts: (a) John and Judy Brown have owned their home for 20 years. It is heated by an oil furnace and they have an oil tank outside which gets refueled periodically by the St. Paul Minnesota West Publishing Co Brown, Insurance Law in Canada, 2002, Thompson Canada Limited, Volume 1, c.13
4 ground and into a John and Judy. The Ever Helpful Insurance Company however has a In the name of John and Judy Brown, the Ever Helpful Insurance Company issues a Statement of Claim suing the ABC Fuel Company, the fuel delivery the lawsuit are payable back to the Ever Helpful Insurance Company in partial or -2- (b) Four years ago, John and Judy had their furnace inspected by a private furnace repair company, "Furnaces R Us". In the course of that inspection, the exterior fuel oil tank was also inspected and given a "clean bill of health". Four years later, after one of the routine refueling stops made by the ABC Fuel Company, the fuel oil tank, which had corroded, ruptures, spilling 400 litres of fuel oil on the nearby creek. (c) The environmental cleanup costs, and other losses associated with the fuel oil spill, total $450, (d) The Ever Helpful Insurance Company which insures John and Judy's home under a standard homeowner's policy is obliged to pay out this loss on behalf of subrogated claim which it is entitled to advance against any wrongdoers responsible for the loss. (e) company, and Furnaces R Us, the private furnace inspection company. These two defendants in turn notify their own liability insurers who must then defend the claim and pay out any insured claim. John and Judy Brown are obliged to cooperate fully with the lawsuit that has (f) been launched in their name, but any damages recovered as a consequence of complete indemnity of the losses that had already been paid out on behalf of John and Ju.dy Brown.
5 not with this traditional type of subrogated claim, but rather the management of those specific meant as a Health has the legal authority to recover the medical and hospital costs incurred in treating that will probably be incurred for future insured services. By Section 30(5), the one significant insured under a motor vehicle liability policy issued in Ontario in respect of personal injuries Insurance Act, which provides: -3- Historically, when speaking of subrogation, this type of scenario has been the kind of fact situation that has given rise to a subrogated claim. As the participants attending this conference are all Plaintiff lawyers, the focus of this paper is subrogated claims that arise within the context of a Plaintiff personal injury practice. "Subrogation" will mean different things to different people, so this historical background is starting point for the rest of our discussions. Subrogated Claims in a Personal Injury Practice OHIP The most common example of a subrogated claimant that you will end up working with is the Ontario Ministry of Health and Long-Term Care ("Ministry of Health"). Within your first year of practice, you will likely need to protect OHIP's subrogated interest. By statute, the Ministry of people who are injured when involved in accidents that have been caused by someone else. Section 30 of the Health Insurance Act 3 specifically provides that OHIP is subrogated to any right of the insured person to recover the cost incurred for past insured services and the cost exception to this right of subrogation is that OHIP is not subrogated as against a person who is arising directly or indirectly from the use or operation of an automobile. As Plaintiff lawyers, you all need to be aware of the provisions of Section 31 of the Health
6 advanced or protected. 5 ibid., s.26(5) Any person who commences an action to recover for loss 31.(1) damages arising out of the negligence or other wrongful act of a or party, to which the injury or disability in respect of which third services have been provided is related shall, unless insured advised in writing by the General Manager, include a otherwise on behalf of the Plan for the cost of the insured services. claim Where a person recovers a sum in respect of the cost of (2) services, the person shall forthwith pay the sum recovered insured to the Minister of Finance. The full text of all the subrogation provisions are attached to this paper at Tab "A". CRIMINAL INJURIES COMPENSATION BOARD While OHIP is the most Obvious example of a subrogated interest that you will encounter, there are certainly other institutions you may come across where a subrogated interest needs to be When dealing with the Criminal Injuries Compensation Board ("CICB"), you should be aware of the provisions of the Compensation for Victims of Crime Act 4 as it relates to subrogation. It is not unusual to seek a remedy through the CICB, as well as a remedy in a civil action. In fact, in some instances, the CICB award will help fund subsequent litigation. The CICB, by reason of Section 26(2) of the Compensation for Victims of Crime Act, is subrogated to all the rights of the person to whom payment is made under the Act to recover damages by civil proceedings in respect of the injury. An Applicant for or a person awarded compensation shall forthwith notify the CICB of any action brought against the offender who caused the injury or death of the victim, s 3 R.S.O. 1990, c.h.6, amended 4 Compensation for Victims of Crime Act, R.S.O. 1990, C.24
7 Another instance where you may come across the need to protect or advance a subrogated claim is an action where the Workplace Safety and Insurance Act, has some application: ibid., s.26(5.1) 6 S.O. 1997, c.16, amended 7 the worker or survivor elects to claim benefits under the If plan and if the worker is employed by a Schedule 1 insurance to the rights of the worker or survivor in respect of the subrogated The Board is solely entitled to determine whether or not to action. continue or abandon the action and whether to settle commence, and on what terms. it -5- CICB is entitled to be reimbursed out of any amount recovered by the Applicant from the offender or any other party for the amount of compensation awarded to the Applicant. 6 The full text of the subrogation provisions of the Compensation for Victims of Crime Act are attached to this paper at Tab "B". WSIB The full text of the rights of action section are attached to this paper at Tab "C". There are certain situations where a worker may elect to advance a claim in a civil action rather than receive benefits under the Workplace Safety and Insurance Act. Section 30(10) provides: employer or the deceased worker was so employed, the Board is Often withthis type of action, an arrangement will be made with the WSIB to protect its interest. It will not commence its own separate lawsuit but rather seek reimbursement of any initial WSIB benefits paid, having the injured worker advance, as a subrogated claim, the claims of the WSIB.
8 Contractual Subrogation example, some LTD insurers will seek to have income replacement: benefits that are paid, or that monthly LTD benefits were paid in the past. Within the context of motor vehicle claims, such a contractual term would seem, to me, to be contradicted and overruled by the specific this kind of trap. -6- Some long-term disability contracts contain a clause which obliges the insured person, if civil damages are being sought in compensation for an injury or disability, to reimburse the quantum of LTD that has been paid, to the extent that a tortfeasor caused the disability. With a contractual subrogation, obviously the scope and parameter of the claim turns on the specific wording of the contract itself. am always careful to consider not only the terms of the contract, but also legislation which may supersede or "trump" the contractual terms. For other tort income losses recovered in a civil action, paid back to the LTD insurer, to the extent provisions of the Statutory Accident Benefit Schedule and the Insurance Act, which oblige the LTD insurer to be the payor of first resort. Effectively, by statute and regulation, the contractual subrogation that LTD insurers sometimes seek to create has been rendered void. Watch out for Quasi-Subrogation While not truly a subrogated interest in the pure sense of the word, draw to your attention the several types of payments that may need to be made to a third party funding source, as it would be at your own peril, indeed professional negligence, to ignore this last category which have elected to call quasi-subrogation forces. In a personal injury context, many Plaintiffs are in receipt of the Ontario Disability Support Plan ("ODSP") benefit. As one of the preconditions to receiving that benefit, the individual Plaintiff signs a document in which the Plaintiff agrees to pay back to the Ministry of the Attorney
9 forwarded to you by an ODSP representative, and you will often get regular contact for updates from one or more law clerks whose job it is to track the interests of these quasi-subrogated are beyond the scope of this paper, the amounts will have to be repaid from the proceeds of any order to ensure that this subrogated interest which you are now obliged to consider does not get -7- General the amount of monies that were paid as a monthly ODSP benefit, to the extent that damages are awarded in a later civil action connected to the disability. This authorization will be claims. It is important for your client to understand that, in this situation, with certain exceptions which judgment or settlement. You will certainly need to manage your client's expectations. More importantly, you will also need to ensure that you properly and fairly account for the monies that have been received in your trust account, and that you honestly and fairly reimburse the Ministry pursuant to the agreement to reimburse which your client signed. Managing the Subrogated Claim From a practice management perspective,you need to implement the necessary procedures in lost during the course of your negotiations, settlement or judgment. have created a checklist which you may wish to use and which, at the very least, would encourage you to tailor to suit the needs of your own practice. This checklist is attached to this paper at Tab "D". A series of precedent letters is also attached, at Tab "E", for your consideration. While these precedents are related to OHIP's subrogated interest, they should apply, with appropriate modifications, to other subrogated interests
10 (1) Where, as the result of the negligence or other wrongful act or omission 30. another, an insured person suffers personal injuries for which he or she receives of subrogated to any right of the insured person recover the cost incurred for past insured services and the cost that will probably be to for future insured services, and the General Manager may bring action in the incurred by Plan recoverable by insured Payment For the purposes of subsection (1), the payment by the Plan for insured (2) shall not be construed to affect the right of the insured person to recover the services so paid in the same manner as if such amounts are paid or to be paid by the amounts For the purposes of this section, the cost of insured services rendered to an (3) person in or by a hospital or health facility shall be at the rate charged by the insured or facility to a person who is not insured an person. R.S.O. 1990, c. H.6, hospital health (1-3). 30 s. Exception Despite subsection (1), the Plan is not subrogated to the rights of an insured (4) in respect of personal injuries arising directly or indirectly from the use or person after the 21 st day of June, 1990 and before the day section of the operation, Act comes into force, of an automobile in Canada, the United States of Insurance or any other jurisdiction designated in the Statutory Accident Benefits Schedule America the Insurance Act. 1993, c. 10, s. 53. under Exception (5) Despite subsection (1), the Plan is subrogated to the rights of the insured not as against a person who is insured under a motor vehicle liability policy issued in person, in respect of personal injuries arising directly or indirectly from the use or Ontario, after section 29 of the Automobile Insurance Rate Stability Act, 1996 comes operation, force, automobile an in Ontario or in any other jurisdiction designated in the into of Benefits Schedule under the Insurance Act. Accident Statutory Definition _(_6_) In subsection (5), Health Insurance Act R.S.O. 1990, CHAPTER H.6 SUBROGATION Subrogation insured services under this Act, the Plan is name of the Plan or in the name of that person for the recovery of such costs. person. insured of hospital services Cost
11 vehicle liability policy" has the same meaning as in the Insurance Act. 1996, "motor 21, s. 51. c. (1) Any person who commences an action to recover for loss or damages 31. out of the negligence or other wrongful act of a third party, to which the injury or arising advised in writing by the General Manager, include a otherwise for the cost of the insured servicesl R.S.O. 1990, c. H.6, s. 31 (1). Plan Where a person recovers a sum in respect of the cost of insured services, the (2) shall forthwith pay the sum recovered to the Minister of Finance. R.S.O. 1990, person H.6, s. 31 (2); 2006, c. 19, Sched. L, s. 11 (5). c. Vehicle Accident Claims Fund Motor The Plan is not an insurer within the meaning of the Insurance Act, as 32.. to in section 22 of the Motor Vehicle Accident Claims Act, and may be awarded referred from Motor Vehicle.Accident Claims Fund. R.S.O. 1990, c. H.6, 321 s. payment the divide award to Judge injured person's loss and damages so as to clearly designate the amount of the Plan's the for the past cost of insured Services and separate it from the amount of the recovery Minister of Finance any amount referable to a and such payment discharges the obligation of the liability insurer to pay that services to the insured person. R.S.O. 1990, c. H.6, s. 35; 2006, c. 19, Sched. L, s. 11 (5). amount -2- Subrogated claim included in action disability in respect of which insured services have been provided is related shall, unless claim on behalf of the Recovery paid to Ontario 33_._. The judge at trial shall, if the evidence permits, apportion the elements of Plan's recovery of future cost of insured services, if any. R.S.O. 1990, c. H.6, s. 33..Release not to bind Plan No release or settlement of a claim for damages for personal injuries in a 34.. where the injured person has received insured services under this Act shall be case on the Plan unless the General Manager has approved the release or settlement. binding 1990, c. H.6, s. 34. R.S.O. Insurer to pay Ontario A liability insurer shall notify the General Manager of negotiations for 35 of any claim for damages including insured services and may pay to the settlement claim for recovery of the cost of insured Future insured services 36._. Where a judgment or settlement includes future cost of insured services, the shall provide the future insured services included in the judgment or settlement. Plan 1990, c. H.6, s. 36. R.S.O.
12 If the Plan has paid for insured services as a result of the negligence (1) other wrongful act or omission of a person, the Plan has a right, independent of its or right under subsections 30 (1) and 46 (5), to recover, directly against that subrogated the costs for insured services that have been incurred in the past and that will person, be incurred in the future as a result of the negligence or the wrongful act or probably omission. may bring an action in his or her own name for recovery of the costs referred to Minister subsection (1). in Exception (3)The Plan shall.not recover costs under this section, occurred while the physician was acting within the scope of his or physician practice and in such circumstances as may be prescribed; her such circumstances as may be prescribed; or services rendered in or a hospital or health facility shall be at the rate charged by the hospital or health facility by persons who are not insured. to of information Disclosure the extent that any information relating to insured services is produced (6)To in a -3- DIRECT RECOVERY Direct cause of action Action (2)The General Manager may bring an action in the name of the Plan or the (a) against a physician if the negligence or wrongful act or omission of the against a hospital under the Public Hospitals Act or a laboratory under (b) Laboratory and Specimen Collection Centre Licensing Act if the the negligence or wrongful act or omission upon which the action is based occurred in the course of providing services that the hospital is approved to provide, or that the laboratory is licensed to provide, as the case may be, and in (c) against such other persons or entities as may be prescribedin such as may be prescribed. circumstances of rights of insured persons Preservation (4)An action under this section shall not prevent an insured person from the cost or damages to which the person would otherwise be entitled. recovering of hospital services Cost (5)For the purposes of this section, the cost of insured proceeding under this section, the information shall be produced in a manner that the identity of the insured person and of the provider of insured services. 1999, protects 10,.s. 1. c.
13 Civil proceedings The Board is subrogated to all the rights of the person to whom payment is (2) under this Act to recover damages by civil proceedings in respect of the injury or made and may maintain an action in the name of such person against any person against death such action lies, and any amount recovered by the Board shall be applied, whom execution; and levying second, to reimbursement of the Board for the value of the (b) awarded, compensation the balance, if any, shall be paid to the person whose rights were subrogated. R.S.O. 1990, and c. C.24, s. 26 (2). The Board may elect to limit the amount for which it is subrogated to the (3) of compensation that it has paid in respect of the person whose rights were amount by limiting its claim to the amount so paid and, where it so elects, may subrogated the action in the name of the Minister. R.S.O. 1990, c. C.24, s. 26 (3). maintain Settlement Any settlement or release does not bar the rights of the Board under (4) subsection (2) unless the Board has concurred therein. R.S.O. 1990, c. C.24, s. 26 (4). actions Civil An applicant for or a person awarded compensation shall forthwith notify (5) Board of any action brought against the offender who caused the injury or death of the victim. R.S.O. 1990, c. C.24, s. 26 (5). the applicant from the offender or any other party, for the amount of compensation the to the applicant. 2000, c. 26, Sched. A, s. 4 (6). awarded A person awarded compensation shall give the Board such information and (6) as he or she can furnish to assist the Board in maintaining a subrogated co-operation Compensation for Victims of Crime Act R.S.O. 1990, CHAPTER C.24 (1) Subject to subsections (2), (4) and (5), nothing in this Act affects the 26. of any person to recover from any other person by civil proceedings damages in right of the injury or death. R.S.O. 1990, c. C.24, s. 26 (1). respect Subrogation (a) first, to payment of the costs actually incurred in the action and in Idem of subrogation Right The Board is entitled to be reimbursed, out of any amount recovered by Person to assist
14 for damages against the offender who caused the injury or death of the victim. action 1990, c. C.24, s. 26 (6). R.S.O.
15 1997, CHAPTER 16 S.O. A SCHEDULE No action lies to obtain benefits under the insurance plan, but all claims 26.(1) benefits shall be heard and determined by the Board. 1997, c. 16, Sched. A, s. 26 (1). for in lieu of rights of action Benefits to benefits under the insurance plan is in lieu of all rights of.(2)entitlement (statutory or otherwise) that a worker, a worker's survivor or a worker's spouse, action or dependant has or may have against the worker's employer or an executive officer child c. 16, Sched. A, s. 26 (2); 1999, c. 6, s. 67 (6); 2005, c. 5, s. 73 (6). 1997, of certain sections Application of a deceased worker who are entitled to benefits under the plan. 1997, c. 16, survivors A, s. 27 (1). Sched. a worker's right of action is taken away under.section 28 or 29, the _( If spouse, child, dependant or survivors are, also, not entitled to commence an worker's under section 61 of the Family Law Act. 1997, c. 16, Sched. A, s. 27 (2); 1999, action 6, s. 67 (7); P 005, c. 5, s. 73 (7). c. Certain rights of action extinguished A worker employed by a Schedule 1 employer, the worker's survivors 28.(1) a Schedule 1 employer are not entitled to commence an action against the following and A director, executive officer or worker employed by any Schedule 1 2. employer. worker employed by a Schedule 2 employer and the worker's survivors (2)A not entitled to commence an action against the following persons in respect of the are Workplace Safety and Insurance Act, 1997 RIGHTS OF ACTION No action for benefits the employer for or by reason of an accident happening to the worker or an of disease contracted by the worker while in the employment of the employer. occupational 27.(1) Sections 28 to 31 apply with respect to a worker who sustains an injury or a disease that entitles him or her to benefits under the insurance plan and to the Same in respect of the worker's injury or disease: persons Any Schedule 1 employer. 1. Same, Schedule 2 employer worker's injury or disease:
16 The worker's Schedule 2 employer. 1. A director, executive officer or worker employed by the worker's 2. Restriction the workers of one or more employers were involved in the (3)If Exception (1) and (2) do not apply if any employer other than the 4_(_4_)Subsections employer supplied a motor vehicle, machinery or equipment on a purchase or worker's basis without also supplying workers to operate the motor vehicle, machinery or rental 1997, c. 16, Sched. A, s. 28. equipment. or a survivor of such a worker, any Schedule 1 employer or a employer executive officer or another worker employed by a Schedule 1 director, determined to be at fault or negligent in respect of the accident or In an action by or on behalf of a worker employed by a Schedule 2 2. or a survivor of such a worker, the worker's Schedule 2 employer or employer liable to not damages to the worker or his or her survivors or to contribute to or indemnify another pay of fault Determination court shall determine what portion of the loss or damage 3 )The was caused by (3) to be caused by a person described in that subsection is recoverable in an subsection 1997, c. 16, Sched. A, s. 29. action. -2- employer. Schedule 2 in which the worker sustained the injury, subsection (1) applies only if the circumstances were acting in the course of their employment. workers Liability where negligence, fault This section applies in the following circumstances: 29.(1) In an action by'or on behalf of a worker employed by a Schedule 1 1. employer is disease that gives rise to the worker's entitlement to benefits under the the plan. insurance director, executive officer or another worker employed by the employer, is a to be at fault or negligent in respect of the accident or the disease determined gives rise to the worker's entitlement to benefits under the insurance plan. that Same 2 The employer, director, executive officer or other worker is person who is liable to pay such damages. fault or negligence of the employer, director, executive officer or other worker and the do so whether or not he, she or it is a party to the action. shall Same (4)No damages, contribution or indemnity for the amount determined under
17 Election 2_( The worker or survivor shall elect whether to claim the A, s. 30 (2). Sched. Same the worker is or was employed by a Schedule 2 employer, the worker or (3)If shall also notify the employer. 1997, c. 16, Sched. A, s. 30 (3). survivor the accident results in death, within three months after the date of death. 1997, c. 16, if A, s. 30 (4). Sched. an election is not made or if notice of election is not given, the worker or (6)If shall be deemed, in the absence of evidence to the contrary, to have elected not survivor to receive benefits under the insurance plan. 1997, c. 16, Sched. A, s. 30 (6). minor Same, the worker or survivor is less than 18 years of age, his or her parent or ( If incapable person Same, a worker is mentally incapable of making the election or is unconscious (8)If a result of the injury, as the worker's guardian or attorney may make the election on behalf of (a) worker; the if there is no guardian or attorney, the worker's spouse may make the (b) election on behalf of the worker; or election on behalf of the worker. 1997, c. 16, Sched. A, s. 30 (8); 1999, the 6, s. 67 (8); 2005, c. 5, s. 73 (8). c. -3- Election, concurrent entitlements 30.(1) This section applies when a worker or a survivor of a deceased worker is entitled to benefits under the insurance plan with respect to an injury or disease and is entitled to commence an action against a person in respect of the injury or disease. also c. 16, Sched. A, s. 30 (1). 1997, or to benefits the action and shall notify the Board of the option elected. 1997, c. 16, commence Same _(A)The election must be made within three months after the accident occurs or, Same Board may permit the election to be made within a longer period if, in (5)The opinion of the Board, it is just to do so. 1997, c. 16, Sched. A, s. 30 (5). the Same or the Children's Lawyer may make the election on his or her behalf. 1997, guardian 16, Sched. A, s. 30 (7).- c. if there is no guardian or attorney and if no election is made within 60 (c) after thedate of the injury, the Public Guardian and Trustee shall make days
18 a survivor is mentally incapable of making the election, (9)If the survivor's guardian or attorney may make the election on behalf of (a) the survivor; or the election on behalf of the survivor. 1997, c. 16, Sched. A, s. 30 (9). if the worker is employed by a Schedule 1 employer or the deceased worker was so and the Board is subrogated to the rights of the worker or survivor in respect of the employed, The Board is solely entitled to determine whether or not to commence, continue action. abandon the action and whether to settle it and on what terms. 1997, c.16, Sched. A, or 30 (10). s. Schedule 2 Same, if the worker is employed by a Schedule 2 employer or the deceased worker was so and the employer is subrogated to the rights of the worker or survivor in respect of employed, Sched. A, s. 30 (11). under the insurance plan to theworker or the survivor, the Board or the employer benefits the case may be) shall pay the surplus to the worker or survivor. 1997, c. 16, (as A, s. 30 (12). Sched. of surplus Effect reduced to the extent of the surplus paid to him or her. 1997, c. 16, Sched. A, be 30 (13). s. worker elects to commence action If following rules apply if the worker or survivor elects (14)The to commence action instead of claiming benefits under the insurance plan: the The worker or survivor is entitled to receive benefits under the 1. plan to the extent that, in a judgment in the action, the worker or insurance is awarded less than the amount described in paragraph 3. survivor -4- Same if there is no guardian or attorney and if no election is made within 60 (b) after the death of the worker, the Public Guardian and Trustee shall make days Subrogation, Schedule 1 employer (10)If the worker or survivor elects to claim benefits under the insurance plan employer l J_lIf the worker or survivor elects to claim benefits under the insurance plan action. The employer is solely entitled to determine whether or not to commence, the or abandon the action and whether to settle it and on what terms. 1997, c. 16, continue Surplus the Board or the employer pursues the action and receives an amount of (12)If greater than the amount expended in pursuing the action and providing the money l_(_ Future payments to the worker or survivor under the insurance plan shall If the worker or survivor settles the action and the Board approves the 2. before it is made, the worker or survivor is entitled to receive settlement
19 30 (14). s. amount Determining (15)For the purpose of determining the amount of benefits a have reduced the amount for which the defendant is liable to the worker (a) survivor in the action; or or would have been payable by the defendant but for an immunity granted the defendant under any law. 1997, c. 16, Sched. A, s. 30 (15). to re rights of action and liability Decisions away; (b) limited by this Act; or whether the plaintiff is entitled to claim benefits under the insurance (c) plan. in subsection (1). described of decision Finality decision of the Appeals Tribunal under this section is final and is not (3)A to question or review in a court. open for benefits Claim subsections 22 (1) and (2), a worker or survivor may (4)Despite benefits within six months after the tribunal' s determination under subsection (1). -5- under the insurance plan to the extent that the amount of the benefits is less than the amount described in paragraph 3. settlement For the purposes of paragraphs 1 and 2, the amount is the cost to the 3. of the benefits that would have been provided under the plan to the Board or survivor, if the worker or survivor had elected to claim benefits worker the plan instead of commencing the action. 1997, c. 16, Sched. A, under worker or survivor is entitled to under subsection (14), the amount of a judgment in an action or the of a settlement shall be calculated as including the amount of any benefits that amount been or will be received by the worker or survivor from any other source if those have benefits, (b) A to action an or an insurer from whom statutory accident 31.(1) party claimed under section 268 of the Insurance Act may apply to the Appeals are benefits Tribunal to determine, whether, because of this Act, the right to commence an action is taken (a) whether the amount that a person may be liable to pay in an action is Same (2)The Appeals Tribunal has exclusive jurisdiction to determine a matter file a claim for
20 of time Extension Board may permit a claim to be filed after the six-month (5)The -6- period expires if, in the opinion of the Board, it is just to do so. 1997, c. 16, Sched. A, s. 31.
VIRGINIA ACTS OF ASSEMBLY -- 2015 SESSION CHAPTER 585 An Act to amend and reenact 38.2-2206 of the Code of Virginia and to amend the Code of Virginia by adding in Article 7 of Chapter 3 of Title 8.01 a
Province of Alberta MOTOR VEHICLE ACCIDENT CLAIMS ACT Revised Statutes of Alberta 2000 Chapter M-22 Current as of April 1, 2015 Office Consolidation Published by Alberta Queen s Printer Alberta Queen s
Province of Alberta LIMITATIONS ACT Revised Statutes of Alberta 2000 Current as of December 17, 2014 Office Consolidation Published by Alberta Queen s Printer Alberta Queen s Printer 5 th Floor, Park Plaza
BERMUDA 1951 : 39 LAW REFORM (LIABILITY IN TORT) ACT 1951 ARRANGEMENT OF SECTIONS 1 Interpretation 2 Savings 3 Apportionment of liability where contributory negligence 4 Defence of common employment abolished
CHAPTER 310 THE LAW REFORM (FATAL ACCIDENTS AND MISCELLANEOUS PROVISIONS) ACT [PRINCIPAL LEGISLATION] ARRANGEMENT OF SECTIONS Section Title 1. Short title and application. 2. Interpretation. PART I PRELIMINARY
SUPREME COURT OF NOVA SCOTIA Citation: Webber v. Boutilier, 2016 NSSC 5 Date: 20160105 Docket: Hfx No. 241129 Registry: Halifax Between: Cindy June Webber v. Plaintiff Arthur Boutilier and Dartmouth Central
PERSONAL INJURY COMPENSATION CLAIM GUIDE PERSONAL INJURY COMPENSATION CLAIM GUIDE This booklet has been produced by D.J. Synnott Solicitors to give our clients an understanding of the personal injury compensation
ACCIDENT BENEFIT CONTINGENCY FEE RETAINER AGREEMENT This contingency fee retainer agreement is B E T W E E N : Bogoroch & Associates LLP Sun Life Financial Tower 150 King Street West, Suite 1707 Toronto,
New South Wales Motor Accidents Compensation Amendment (Claims and Dispute Contents Page 1 Name of Act 2 2 Commencement 2 3 Amendment of Motor Accidents Compensation Act 1999 No 41 2 4 Amendment of other
NOTICE TO MONEY CONCEPT (BARRIE) CLIENTS OF EITHER DAVID KARAS OR JAMES STEPHENSON INVOLVED IN LEVERAGED INVESTMENTS NOTICE OF CERTIFICATION AND MOTION FOR SETTLEMENT APPROVAL This is a court authorized
February 20, 1978 ATTORNEY GENERAL OPINION NO. 78-81 Mr. Fletcher Bell Commissioner of Insurance Kansas Insurance Department 1st Floor - State Office Building Topeka, Kansas 66612 Re: Motor Vehicles--Insurance--Rights
MAKING A PERSONAL INJURIES CLAIM* GETTING STARTED DO I HAVE A CASE? The first step is to contact one of our experienced personal injuries solicitors and arrange a no obligation consultation. At the initial
PRACTICE GUIDELINES MEMORANDUM TO: FROM: Attorneys Practicing Before Me And Other Interested Persons C. Timothy Corcoran, III United States Bankruptcy Judge DATE: January 3, 2000 1 RE: Sample Bankruptcy
South Australia LAW REFORM (CONTRIBUTORY NEGLIGENCE AND APPORTIONMENT OF LIABILITY) ACT 2001 An Act to reform the law relating to contributory negligence and the apportionment of liability; to amend the
I. HISTORICAL BACKGROUND A. Common Law WORKERS COMPENSATION SUBROGATION AND THIRD PARTY SETTLEMENTS Before the advent of workers compensation statutes, the only protection afforded to victims of work place
Jurisdictional Limits The justice courts have exclusive jurisdiction or the authority to hear all civil actions when the amount involved, exclusive of interest, costs and awarded attorney fees when authorized
EXPLANATION OF LEGAL TERMS Affidavit: After the event litigation insurance: Application notice: Bar Council: Barrister: Basic Charges: Before the Event Legal Expenses Insurance: Bill of costs: Bolam test:
TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance In return for the payment of the Premium specified in the Schedule and based on any Information that
CONTINGENCY FEE RETAINER AGREEMENT This contingency fee retainer agreement is B E T W E E N : POTESTIO LAW FIRM 401 Bay Street, Suite 1400 Toronto ON M5H 2Y4 Tel: 905 850 2642 Fax: 905 850 8544 Toll Free:
Responses submitted by: Name: Roddy Bourke Law Firm/Company: McCann FitzGerald Location: Dublin, Ireland 1. Would your jurisdiction be described as a common law or civil code jurisdiction? The Republic
OFFICE OF THE ETHICS COMMISSIONER PROVINCE OF ALBERTA REPORT TO THE SPEAKER OF THE LEGISLATIVE ASSEMBLY OF THE INVESTIGATION BY THE ETHICS COMMISSIONER INTO ALLEGATIONS INVOLVING BRIAN EVANS, Q.C., FORMER
CAR ACCIDENT GUIDE TABLE OF CONTENTS Page Introduction... 1 First Step... 1 Finding and Hiring a Lawyer... 1 Financial Arrangements... 2 Your Claim... 3 Documenting Your Claim... 5 Parties to the Claim...
AMENDED IN ASSEMBLY APRIL 14, 2015 california legislature 2015 16 regular session ASSEMBLY BILL No. 597 Introduced by Assembly Member Cooley February 24, 2015 An act to amend Sections 36 and 877 of, and
Prepared by: Barton L. Slavin, Esq. 1. Identify Insurance Company - On the Police Report there is a three digit code that identifies the insurance company for a vehicle. The following link will take you
JUSTICE COURT # 2 GRAHAM COUNTY STATE OF ARIZONA P.O. BOX 1159, 136 WEST CENTER STREET, PIMA AZ 85543 PHONE (928) 485-2771 FAX (928) 485-9961 SMALL CLAIMS INSTRUCTIONS FOR FILING ***EFFECTIVE JANUARY 1,
This model agreement is in the process of being amended to take make it fully compliant with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. You should refer
New South Wales Motor Accidents Compensation Amendment Act 2006 No 17 Contents Page 1 Name of Act 2 2 Commencement 2 3 Amendment of Motor Accidents Compensation Act 1999 No 41 2 4 Consequential amendments
C.M. Haughey Solicitors Compensation Guide www.cmhaugheysolicitors.ie Athena Goddess of Wisdom, Strength and Strategy. When your experience needs our experience About Us C. M. Haughey Solicitors, located
Subrogation, Third Party Recovery and Reimbursement Benefits Subject to This Provision This provision applies to all benefits provided under any section of this plan to: (a) Covered Persons (or Members)
Personal Injury Compensation Guide 2015 Personal Injury Compensation Claim Guide David J. Synnott This booklet has been produced by Synnott Lawline Solicitors to give our clients an understanding of the
Do You Have a Case? Truck Accident ebooklet Andrew Miller 201 South 3rd Street Logansport, IN 46947 P: (574) 722-6676 www.starrausten.com Disclaimer No attempt is made to establish an attorney-client relationship
Province of Alberta VICTIMS RESTITUTION AND COMPENSATION Statutes of Alberta, Current as of December 17, 2014 Office Consolidation Published by Alberta Queen s Printer Alberta Queen s Printer 7 th Floor,
A Word on MO Comp Subrogation First the Statute: By: Christopher T Archer, 2012 287.150. Subrogation 1. Where a third person is liable to the employee or to the dependents, for the injury or death, the
Accidents at Work Everything you need to know Falling from ladders, slipping on a wet floor, lifting a heavy item, cutting yourself on a machine. Even in the 21st Century the workplace is still dangerous
Title XLV TORTS Chapter 768 NEGLIGENCE View Entire Chapter 768.28 Waiver of sovereign immunity in tort actions; recovery limits; limitation on attorney fees; statute of limitations; exclusions; indemnification;
CHAPTER 5 THE GOVERNMENT PROCEEDINGS ACT [PRINCIPAL LEGISLATION] ARRANGEMENT OF SECTIONS Section Title PART I PRELIMINARY PROVISIONS 1. Short title. 2. Interpretation. PART II SUBSTANTIVE LAW 3. Liability
NOTICE OF CLASS ACTION SETTLEMENT California Superior Court, County of Los Angeles IF FIRE INSURANCE EXCHANGE APPLIED DEPRECIATION WHEN CALCULATING A PAYMENT MADE TO YOU ON A PROPERTY LOSS INSURANCE CLAIM,
MOTOR VEHICLE ACCIDENT CLAIMS ACT Act 198 of 1965 AN ACT providing for the establishment, maintenance and administration of a motor vehicle accident claims fund for the payment of damages for injury to
Number 38 of 2013 Social Welfare and Pensions Act 2013 Number 38 of 2013 SOCIAL WELFARE AND PENSIONS ACT 2013 CONTENTS PART 1 PRELIMINARY AND GENERAL Section 1. Short title, construction, collective citations
california legislature 2015 16 regular session ASSEMBLY BILL No. 597 Introduced by Assembly Member Cooley February 24, 2015 An act to amend Sections 36 and 877 of, and to add Chapter 6 (commencing with
Costs Payable in Personal Injury Claims under the Various Legislative Regimes by Paul Garrett I was asked to deliver a paper in relation to costs which are payable under the various regimes where claimants
Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal
As amended by P.L.79-2007. INDIANA FALSE CLAIMS AND WHISTLEBLOWER PROTECTION ACT IC 5-11-5.5 Chapter 5.5. False Claims and Whistleblower Protection IC 5-11-5.5-1 Definitions Sec. 1. The following definitions
CHAPTER 43 ACTIONS OF DAMAGES FOR, OR ARISING FROM, PERSONAL INJURIES Application and interpretation of this Chapter 43.1.-(1) Subject to paragraph (4) and rule 43.1A (actions based on clinical negligence).
SUPPLEMENTARY CONDITIONS TO THE CANADIAN STANDARD FORM OF CONTRACT FOR ARCHITECTURAL SERVICES DOCUMENT SIX 2006 EDITION RAIC 6 2006 FRASER HEALTH PROJECTS The following Supplementary Conditions are specific
5/6/13 CRIMINAL DEFENSE & CIVIL LITIGATION AGREEMENTS LLOYD M. CUETO LAW OFFICE OF LLOYD M. CUETO P.C. 7110 WEST MAIN STREET BELLEVILLE, ILLINOIS 62223 (618) 277-1554 CRIMINAL DEFENSE AGREEMENTS HOW TO
STATE OF TEXAS CONTRACT FOR SERVICES COUNTY OF DALLAS THIS CONTRACT is made and entered into by and between the CITY OF DALLAS, a Texas municipal corporation, located in Dallas County, Texas (hereinafter
Pre-Approved Retainer Agreements for the Disabled and Minors Written by Allen Wynperele and Laura McCracken, April 24, 2012 Contingency Fee Retainer Agreements were not permitted prior to the amendments
4th SESSION, 64th GENERAL ASSEMBLY Province of Prince Edward Island 63 ELIZABETH II, 2014 CHAPTER 36 (Bill No. 46) An Act to Amend the Insurance Act (No. 2) Honourable Janice A. Sherry Minister of Environment,
STATES OF JERSEY r DRAFT MOTOR TRAFFIC (THIRD- PARTY INSURANCE) (COST RECOVERY) (JERSEY) REGULATIONS 201- Lodged au Greffe on 13th December 2012 by the Minister for Health and Social Services STATES GREFFE
RULE 39 OFFER TO SETTLE Definitions (1) In this rule: Where available "defendant" includes "respondent"; "double costs" means double the fees allowed under Rule 60(2) and includes the disbursements allowed
3721L.01I AN ACT To amend chapter 383, RSMo, by adding thereto thirteen new sections relating to the Missouri health care arbitration act. BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF MISSOURI,
NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL
Discussion Paper Concerning the Cap on Pain and Suffering Awards for Minor Injuries Office of the Superintendent of Insurance January, 2010 Introduction The Province of Nova Scotia regulates automobile
Page 1 of 9 Guide to Small Claims Court 1. Introduction 2. What is Small Claims Court? 3. Who Can Sue and What Can You Sue About? 4. Before You Sue 5. When Must a Lawyer Represent Me in Small Claims? 6.
Pulitano v. Thayer St. Associates, Inc., No. 407-9-06 Wmcv (Wesley, J., Oct. 23, 2009) [The text of this Vermont trial court opinion is unofficial. It has been reformatted from the original. The accuracy
Personal Injury Litigation The Anatomy of a New York Personal Injury Lawsuit An ebook by Stuart DiMartini, Esq. 1325 Sixth Avenue, 27 th Floor New York, NY 10019 212-5181532 dimartinilaw.com Introduction
HOUSE USE ONLY CHAIR: WITH / WITHOUT 4th SESSION, 64th GENERAL ASSEMBLY Province of Prince Edward Island 63 ELIZABETH II, 2014 BILL NO. 46 An Act to Amend the Insurance Act (No. 2) Honourable Janice A.
Page 1 of 13 CONSULTING SERVICES AGREEMENT This consulting services agreement is between: THE CORPORATION OF THE CITY OF GUELPH, an Ontario municipality ( City ) and, an Ontario ( Consultant"). The parties
Missouri Highways and Transportation Commission Policies Category: Subcategory: Sub-Subcategory: ENTERPRISE RISK MANAGEMENT Liability Insurance Self-Insurance Plan SELF-INSURANCE PLAN GENERAL LIABILITY
Fatal Accidents and Personal Injuries CAP. 160 1 LAWS OF BRUNEI Section CHAPTER 160 FATAL ACCIDENTS AND PERSONAL INJURIES ARRANGEMENT OF SECTIONS PART I PRELIMINARY 1. Citation 2. Application PART II FATAL
Conditional Fee Agreement: What You Need to Know This document forms an important part of your agreement with us. Please read it carefully. Definitions of words used in this document and the accompanying
Court Services and Offender Supervision Agency for the District of Columbia Page 2 III. DELEGATION OF AUTHORITY The General Counsel is delegated authority pursuant to 28 U.S.C. 2672 to consider, ascertain,
MOTOR INSURER S BUREAU OF IRELAND COMPENSATION OF UNINSURED ROAD ACCIDENT VICTIMS Agreement dated 29th January 2009 between the Minister for Transport and the Motor Insurers Bureau of Ireland (MIBI) AGREEMENT
New South Wales Workers Compensation Amendment (Transitional) Regulation 2012 under the Workers Compensation Act 1987 Her Excellency the Governor, with the advice of the Executive Council, has made the
RULE 4-1.5 FEES AND COSTS FOR LEGAL SERVICES (a) Illegal, Prohibited, or Clearly Excessive Fees and Costs. [no change] (b) Factors to Be Considered in Determining Reasonable Fees and Costs. [no change]
Conditional Fee Agreement: What You Need to Know This document forms an important part of your agreement with us. Please read it carefully. Definitions of words used in this document and the accompanying
LEGAL NOTICE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MINNESOTA Individuals Whose Minnesota Driver s License Records Were Accessed for Illegitimate Reasons May Benefit from a Class Action Settlement.
COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout
Our Personal Injury Guidebook Partnering with you on your road to recovery 2 Table of Contents Injured? You Must Take the Following Steps........... 3 Our Promise to Our Clients.................... 4 At
LIMITATION OF CERTAIN ACTIONS ACT CHAPTER 7:09 Act 36 of 1997 Amended by 2 of 2000 Current Authorised Pages Pages Authorised (inclusive) by L.R.O. 1 18.. L.R.O. 2 Chap. 7:09 Limitation of Certain Actions
Friday, April 25, 2014 Page 1 Homeowner's vs Car Insurer > Subrogation Re: Ontario Car Accident The Issue: With homeowner's insurance, if you suffer property damage due to the negligence / fault of someone
LEGAL SCHEME REGULATIONS These Regulations came into force on 1 July 2014. 1 Introduction 1.1 These Regulations govern the Union s legal Scheme. The Rules of the Union set out your other rights and entitlements.
Professional Indemnity Insurance (PII) Policy 2015/16 Lawcover Insurance Pty Limited ABN 15 095 082 509 Level 13, 383 Kent Street Sydney NSW 2000 DX 13013 Sydney Market Street Telephone: 1800 650 748 (02)
Quick Guide 12: Bringing a Small Claim in the County Court What is the County Court? County courts deal exclusively with the settlement of private disputes. They do not hear criminal prosecutions but can
Serial 137 Personal Injuries (Civil Claims) Bill 2003 Dr Toyne A BILL for AN ACT to provide for the economical and early resolution of claims for damages for personal injuries before proceedings are commenced,
FOR IMMEDIATE NEWS RELEASE NEWS RELEASE # 0 FROM: CLERK OF SUPREME COURT OF LOUISIANA The Opinions handed down on the 17th day of October, 200, are as follows: PER CURIAM: 2005-C -249 CHARLES ALBERT AND
1386 - CLAIMS TC-1 Table of Contents.01 Purpose.02 Objectives.03 Authority.04 Responsibility.05 Definitions.1 Claims Which Must Be Submitted to the General Accounting Office.11 Filing Requirements.12 Statutory
Helping to create windows of opportunity An Overview of the Health Care Costs Recovery Act Lunch n Learn Seminar Presented by: Bruno De Vita and Kevin McLaren HEALTH CARE COSTS RECOVERY ACT, SBC 2008 c.
TITLE 13 CHAPTER 12 PART 3 INSURANCE MOTOR VEHICLE INSURANCE UNINSURED AND UNKNOWN MOTORISTS COVERAGE 22.214.171.124 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 126.96.36.199
SUPERIOR COURT OF CALIFORNIA FOR THE COUNTY OF LOS ANGELES, CENTRAL CIVIL WEST If you purchased any of these annuities in California on or before November 5, 2008: Midland National Life Insurance Company
UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF NEW YORK DAVID HIMBER V. AUTOMOBILE CLUB OF NEW YORK, INC. CASE NO.: 09 Civ. 4143 (SJF) NOTICE OF CLASS ACTION SETTLEMENT All persons who received
Your consent to our cookies if you continue to use this website.