Ontario Court Of Appeal Decision Affirms Corroboration Is Not Causation
In Montepeque v. State Farm Mutual Automobile Insurance Company, 2017 ONCA 959, the Ontario Court of Appeal confirmed that a finding of involvement of an unidentified motor vehicle is not incompatible with a finding that there was no negligence by that unidentified motor vehicle.
The action arose out of a motor vehicle accident in which the plaintiff alleged that an unidentified car travelling in the opposite direction crossed into her lane causing her to swerve and lose control of her car resulting in personal injuries. As a result, she claimed under the OPCF 44R unidentified motorist coverage from her own insurer.
At trial, the jury found that the plaintiff had provided sufficient evidence that there was an unidentified automobile involved in the accident. However, the jury also found that the plaintiff had not established that the unidentified motor vehicle caused or contributed to the accident.
The main issue on appeal was whether or not these two answers were incompatible. The Court of Appeal determined that they were not.
The plaintiff had to prove two things to be successful at recovering under the OPCF-44R:
The claimant is required to provide their "own evidence of the involvement" of another, unidentified, vehicle in the accident which "must be corroborated by other material evidence"; and That the negligence of the unidentified driver caused or contributed to the accident. The Court of Appeal found that the jury's answers to each question were easily reconcilable: while the jury determined the evidence of the witnesses the plaintiff's passengers corroborated the plaintiff's evidence that an unidentified car was involved in the accident, they did not determine that the "cause" of the accident was the unidentified driver crossing into the plaintiff's lane. The...
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