Stephen Gibson and Irina Kordic represented the Plaintiff who was 6 years old when he was struck by a motor vehicle and suffered a traumatic brain injury. Eight years after the accident, the Plaintiff’s mother sought assistance from the Defendant for medical benefits. The benefits were denied on the basis that the limitation period expired 2 years after the last payment made by I.C.B.C., despite the Plaintiff being a minor when the limitation expired. The Plaintiff alleged negligence against the adjuster, and bad faith against I.C.B.C. The Plaintiff was successful on a summary trial application by the Defendant to strike the Plaintiff’s claim, and the Defendant appealed. The Court of Appeal ruled that the Plaintiff’s claims would not be struck, and that they were permitted to proceed to trial on the basis that it was not plain and obvious that the Plaintiff was owed a duty of care to be informed of a lapsing limitation, or that the limitation date had expired. This was a novel finding of law in the area of potential negligence by an insurance adjuster in administering first party claims.

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