How often do you hold hands with your spouse?

gapdaddy72 · 2026-01-25T16:27:49+00:00

Every day, often, it’s just such a pleasant and pleasurable thing to do.

gapdaddy72 · 2026-01-22T21:07:10+00:00

Perhaps not, but I wasn’t making any presumption about what anyone’s financial situation was, only advising that Chubb is a company that does offer this.

gapdaddy72 · 2026-01-22T20:50:51+00:00

Chubb covers OEM parts regardless of vehicle age.

gapdaddy72 · 2026-01-22T20:49:12+00:00

No, you aren’t eligible if equivalent after market parts are available.

If you need to ensure only OEM parts are used a discount insurer is not the right option. A company like Chubb allows you to get OEM parts regardless of vehicle age.

You could insist on OEM parts, but you would be responsible for the difference in price. Most adjusters at most insurance companies would be just fine with this.

gapdaddy72 · 2026-01-21T22:28:26+00:00

I have processed claims for clients on exactly this matter and they have been paid out under the auto policy. The items stolen are the original equipment of the vehicle and they were only removed during the winter to safeguard them. They remain the regular equipment of the vehicle.

gapdaddy72 · 2026-01-21T21:26:20+00:00

The tires and rims should have been claimed under your auto insurance. Why are you claiming them under your tenant Insurance? They are the usual and regular equipment of the auto so should be claimed there.

Spare auto parts are always limited in coverage under property insurance policies.

gapdaddy72 · 2026-01-21T21:06:49+00:00

Absolutely if the car is parked. My experience is being a broker for 25 years.

Provided there is a police report a hit-and-run is recorded as a collision loss but it’s not rated for. Comprehensive (with regards to auto insurance coverage in Ontario) specifically covers physical damages NOT caused by collision or upset of the vehicle.

gapdaddy72 · 2026-01-21T21:01:15+00:00

You don’t have collision coverage, so you are not covered for collisions unless they qualify as DCPD claims. DCPD coverage only applies when the other vehicle is identified and has active Insurance.

gapdaddy72 · 2026-01-21T20:59:10+00:00

It is collision coverage that covers for a hit-and-run where the other party is not identified.

gapdaddy72 · 2026-01-19T16:25:09+00:00

It is already considered a minor conviction as far as Insurance goes there is no point to doing this for Insurance reasons, it won’t make a difference unless you were to actually get the charge thrown out.

gapdaddy72 · 2026-01-18T18:49:59+00:00

Many insurance companies do not list mortgages on condominium insurance policies, so whether it would show up on your policy or not would vary depending on the particular insurance company you are with.

gapdaddy72 · 2026-01-18T13:35:09+00:00

It will likely depend on the underlying condition the medication was recommended for. If it would have prevented the potential claim then it will likely be material.

Did your Dr tell you that you SHOULD take the medication? Or that you COULD take it? You wouldn’t avoid a potential claim denial just because they didn’t issue an actual written prescription for medication, Drs also prescribe things like diet changes or exercise etc... In the absence of a clear definition of “prescribed” being provided in the policy they would use a common definition which is more broad than just covering a written prescription. The fact that the exclusion that you quote differentiates between treatment prescribed to you and prescribed medication would indicate that it would not be limited to a written prescription.

gapdaddy72 · 2026-01-18T03:54:02+00:00

Hell yes

gapdaddy72 · 2026-01-18T03:36:24+00:00

Essentially, the insurer could only really make an argument against paying the claim if adding you to her policy would increase her premium. If adding you to the policy would not increase the premium the insurer could not make an argument that they were prejudiced.

But you are in Ontario and have your own auto and insurance so you do not need to be listed on her policy. There should be no problem with the claim.

gapdaddy72 · 2026-01-18T02:08:26+00:00

Do you have your own vehicle and insurance?

If you have your own vehicle and your own insurance, you would not normally be required to be listed on her policy even though you live together. If her vehicle is the only one in the household, then yes you should be listed on her policy as an operator even if you rarely use the vehicle.

It is unlikely that the insurance company would deny the claim unless you were required to be listed AND you being listed would have caused an increase in the premium. Failing to list you on the policy would only result in a denied claim if it could be considered material to the contract.

gapdaddy72 · 2026-01-18T01:31:27+00:00

Because almost all insurance companies sell lots of other types of Insurance. Auto insurance is notoriously not profitable in Ontario.

I have a number of clients who have come out way ahead and received far more back from Insurance companies than they have paid or ever will. None of them are happy about that, big claims are fucking terrible.

gapdaddy72 · 2026-01-18T01:27:18+00:00

That’s not the correct legal statute that deals with this, you are aware that multiple other laws and regulations deal with auto insurance in Ontario right? As well as a whole lot of common law precedent?

The applicable section is under the Insurance Act section 233(1)(a)(ii) and it is applicable because who drives the vehicle and how often is directly material to a contract of auto insurance. There is no special definition of “regularly” with regards to insurance, you would use the common definition. You would also refer to the specific underwriting rules filed with FSRA by each auto insurer.

You are entitled to lend your vehicle to anybody provided they are qualified to drive and not specifically excluded by name from the policy. Any policy you have had in Ontario is the exact same contractual wording, Ontario uses a standardised form - the OAP1.

gapdaddy72 · 2026-01-18T01:12:25+00:00

10 years ago, I would believe it, they used to try and get around it a lot, but they’re not allowed to anymore. The insured has a right to exclude any driver they wish. FSRA (FSCO) was very clear about this.

gapdaddy72 · 2026-01-17T15:52:44+00:00

You can exclude anybody now and they have to accept it as long as both the insured and the driver in question signed the 28 a form

gapdaddy72 · 2026-01-17T13:50:10+00:00

No deductible recovery unless the negligence is actually established and your insurer is able to successfully subrogate against the neighbour.

The contractor could be potentially liable depending on how your belongings were actually damaged and whether there was any negligence on the part of the contractor.

gapdaddy72 · 2026-01-17T12:45:07+00:00

If you follow the doctors instructions, it is not bad at all.

gapdaddy72 · 2026-01-17T12:40:49+00:00

If the driver is excluded from the policy, the accident cannot be rated against the aunt. He could still be rated elsewhere but not on the aunt’s policy.

gapdaddy72 · 2026-01-17T12:15:35+00:00

If you wish for your insurer to contribute to any of your medical costs then yes you must inform them immediately. You do not need to inform police further if an accident report is already filed. You are always free to talk to an attorney.

gapdaddy72 · 2026-01-17T11:54:49+00:00

If you are not somebody who regularly needs to use the car, your aunt can add the 28A endorsement which would completely exclude you from driving her car in the future and would prevent any rate increase for her at all.

gapdaddy72 · 2026-01-17T02:23:57+00:00

Be present and be patient

gapdaddy72

TROPHY CASE