INDEXAll references are to section numbers of the Insurance Act of Ontario, unless a

different Act or regulation is indicated. The applicable piece of legislation or itscorresponding regulation is indicated using one of the following abbreviations:

CAIA — Compulsory Automobile Insurance Act

Regulations under the Compulsory Automobile Insurance Act

CAIAR 95 — Ont. Reg. 95/90

CAIAR 239/10 — Ont. Reg. 239/10

CAIAR 409/12 — Ont. Reg. 409/12

CA — Corporations Act

FSCOA — Financial Services Commission of Ontario Act, 1997

Regulations under the Financial Services Commission of Ontario Act, 1997

FSCOAR 11/01 — Ont. Reg. 11/01

Regulations under the Insurance Act

IAR 664 — Ont. Reg. 664/90

IAR 668/90 — Ont. Reg. 668/90

IAR 669/90 — Ont. Reg. 669/90

IAR 121/08 — Ont. Reg. 121/08

IAR 122/08 — Ont. Reg. 122/08

IAR 123/08 — Ont. Reg. 123/08

IAR 127/08 — Ont. Reg. 127/08

IAR 128/08 — Ont. Reg. 128/08

IAR 129/08 — Ont. Reg. 129/08

IAR 130/08 — Ont. Reg. 130/08

IAR 131/08 — Ont. Reg. 131/08

IAR 674 — Ont. Reg. 674/90

IAR 676 — Ont. Reg. 676/90

IAR 677/90 — Ont. Reg. 677/90

IAR 777/93 — Ont. Reg. 777/93

IAR 283/95 — Ont. Reg. 283/95

IAR 401/96 — Ont. Reg. 401/96

IAR 408/12 — Ont. Reg. 408/12

IAR 461/96 — Ont. Reg. 461/96

IAR 132/97 — Ont. Reg. 132/97

IAR 7/00 — Ont. Reg. 7/00

IAR 637/00 — Ont. Reg. 637/00

1701

Ind

ex

Index

IAR 259/04 — Ont. Reg. 259/04

IAR 347/04 — Ont. Reg. 347/04

IAR 534/06 — Ont. Reg. 534/06

IAR 67/07 — Ont. Reg. 67/07

IAR 69/07 — Ont. Reg. 69/07

MIA — Marine Insurance Act

MVACA — Motor Vehicle Accident Claims Act

Regulations under the Motor Vehicle Accident Claims Act

MVACAR 799 — Ont. Reg. 799

MVACAR 800 — Ont. Reg. 800

MVACAR 279/03 — Ont. Reg. 279/03

MVACAR 280/03 — Ont. Reg. 280/03

SABS — Statutory Accident Benefits Schedule — Accidents after December 31, 1993and before November 1, 1996, Ont. Reg. 776/93

SABS94 — Statutory Accident Benefits Schedule — Accidents before January 1, 1994,Ont. Reg. 672/90

SABS96 — Statutory Accident Benefits Schedule — Accidents on or after November 1,1996, Ont. Reg. 403/96

SABS1O — Statutory Accident Benefits Schedule — Effective September 1, 2010, Ont.Reg. 34/10

RIBA — Registered Insurance Brokers Act

Regulations under the Registered Insurance Brokers Act

RIBAR 990 — Ont. Reg. 990/90

RIBAR 308/98 — Ont. Reg. 308/98

RIBAR 991 — Ont. Reg. 991/90

A • information, insurer’s liability forgiving, 326

ACCIDENT AND SICKNESS• payment, see see BENEFICIARIESINSURANCE• policy• actions, see PRACTICE AND

PROCEDURE • • confinement clauses void, 295• agency, presumption against, 329 • • contents, 294(2)• agents, see agents • • exceptions or reduction, insurer’s

obligation to set forth, 299• application, 291• • insurable interest• beneficiaries, see BENEFICIARIES• • • generally, 305• definitions, 290• • • lack of, 306• forfeiture, relief from, 328

• • issuance, 293• group insurance, 292

• • minors, see MINORS• • enforcing rights, 318

• • policy, contents of, 296, 298 • simultaneous deaths, 319

1702

Index

• • to shareholders and policyholders,ACCIDENT AND SICKNESS121.16INSURANCE (cont’d)

• • statutory conditions • right to information, 121.15• • • fraternal society, contract by, • valuation by, 121.13

301(8) • • exemption, 121.22• • • generally, 300

ADJUSTER• • • notice of, 302

• acting without authority, 401• • • omission or variation, 301

• defined, 1• • termination • licence• • • continuation of coverage, 297(1) • • application for, 397(2)• • • for non-payment, 303 • • corporations, 400• • • rights where contract replaced, • • expiration, 397(3)

297(2)• • generally, 397(1)

• • • rights where premium unpaid, 304• • limited or conditional, 407

• • undue prominence, 327• • offence, 397(7)

ACCOUNTANT • • partnerships, 399• audits, 102(3)–(4) • • renewal of, 397(4)• defined, 1 • • revocation, 397(5)

• • term of, 397(3)ACTUARY• public adjuster• application, 121.20• • exemption, IAR 664, 18• appointment of, 121.4–121.5• • prohibition against, 398• • by Superintendent, 121.14

ADMINISTRATIVE PENALTIES• • ceasing to hold office, 121.9

• Administrative penalties, 441.2, IAR• • filling vacancy, 121.10408/12, CAIA 14.3, CAIAR 409/12• • limitations on, 121.6–121.7

• Definitions, 441.1• • replacement actuary, 121.13• Enforcement of administrative penalties,

• • revocation, 121.8441.6, CAIA, 14.7

• • statements upon resignation or • General administrative penalties, 441.3,revocation, 121.11 CAIA 14.4

• defined, 1 • Maximum administrative penalties,• officers not to be appointed, 121.6 441.5, CAIA 14.6

• • chief financial officer, limitations on • Summary administrative penalties,appointment, 121.7 441.4, CAIA, 14.5

• report AGENT• • fraternal societies, 355 • accident and sickness insurance• • qualified privilege, 121.19 • • licenses, IAR 347/04• • to directors, 121.17 • • presumption against agency

• • • exemptions, 121.21–121.22 • acting without authority, 401

• • to officers, 121.18 • automobile insurance

1703

Ind

ex

Index

• • • return of licence, IAR 347/04, 11AGENT (cont’d)• • information from agents, 230 • • terms of, 393(11)• • persons forbidden to act as agent, 231 • life insurance• compliance system of insurer, IAR • • conflicts of interest, IAR 347/04, 16

347/04, 12 • • continuing education, IAR 347/04, 14• contact information, change in, IAR • • disclosure of insurers, IAR 347/04,

347/04, 5.1 15• defined, 1 • • duties generally, IAR 347/04, 13–17• definitions, IAR 347/04, 1 • • errors and omissions insurance, IAR• fraudulent representations, 395 347/04, 13• liability for unlawful contracts, 396 • • organizations recognized,

393(14)–(23)• licence• • presumption against agency, 222• • accident and sickness insurance, IAR

347/04, 23 • • prohibited conduct, IAR 347/04, 17• • advisory board, 393(9)–393(10.1) • • transitional provisions, IAR 347/04,

18–22• • appeal, 393(10.2)• money held in trust for payee, 402(2)• • application for, IAR 347/04, 3• premiums• • appointment, IAR 347/04, 10• • held in trust for insurer, 402(1)• • authority of agent, 393(12)–(12.2)• • receiving, 394–395• • • insurance groups, 393(13)–(13.1)

• • classes of, 393(2) AGRICULTURAL PROPERTY

• fire insurance• • corporations, 400, IAR 347/04, 23

• • definition, 142• • exemptions, IAR 347/04, 9

• • mutual insurance corporations, CA,• • expiration of, IAR 347/04, 6148–149• • hearing, 393(9)–(10.1)

• • mutual weather insurance• • issuance of, 393(1), (3), (4)corporations, CA, 151

• • life insurance, organizationAMALGAMATIONS ANDrecognized, 393(14)–(23)

TRANSFERS• • limited or conditional, 407• amalgamation• • no compensation to be paid where• • compliance with law whereunlicensed, 403

incorporated, 420(2)• • partnerships, 399• transfer• • qualifications for, IAR 347/04, 4• • agreements, 421• • renewal, application for, IAR 347/04,• • approval by Superintendent7• • • appeal, 426(4)• • requirement, IAR 347/04, 2• • • application for, 422• • suspension or revocation, 393(8), IAR

347/04, 8 • • • decision, 426(1)

• • termination • • • documents to be filed, 425

• • • notice of, 393(6) • • • notice, 426(2)–(3)

• • • • failure to give notice, 393(7) • • • submissions, 426(1)

1704

Index

• • rehabilitation of insurer, 62(5)AMALGAMATIONS ANDTRANSFERS (cont’d) • • • expenses, 62(6)–(7)• • defined, 419

• • relinquishing control, 62(4)• • insurer leaves Ontario, 431

AUTOMOBILE• • reinsurance, 420(1)

• defined, 1, 224(1)APPRAISEMENT

AUTOMOBILE INSURANCE• investments of insurer, other, 36(6)

• application and exclusions, 225–226.1• investments of insurer, real property,

• court proceedings, see also36(4)–(5)AUTOMOBILE INSURANCE RATES

ARBITRATORS, see also DIRECTOR STABILITY ACT, 1996, ACCIDENTSOF ARBITRATIONS; and AFTER; and COURT PROCEEDINGSSTATUTORY ACCIDENT BENEFITS

• • deductible amounts, IAR 461/96, 5.1• appointment, 8

• • deemed amounts in respect of income• exclusive jurisdiction, 20 loss, IAR 461/95, 5.2• testimony in civil proceeding, 11(7) • • gross income loss, determination of,

IAR 461/96, 4.0.1ASSESSMENT OF HEALTH SYSTEM• • information before action, IARCOSTS, 14.1

461/96, 2ASSETS OF INSURER, see also

• • livery vehicle, IAR 461/96, 7APPRAISEMENT• • mediation, IAR 461/96, 3• real property• • net income loss, determination of,• • powers of insurer to hold, 107

IAR 461/96, 4• report on share transfers, 100

• • permanent serious impairment of• segregated funds, variable contracts important physical, mental or

based on, 109 psychological function, IAR 461/96,4.1–4.3• • creation of fund, 109(2)

• • segregation of assets, 109(5) • • structured judgments, IAR 461/96, 6

• • surplus, 109(4) • definitions, 224(1), IAR 664, 1

• • transfers to fund, 109(3) • direct compensation, property damage,263, IAR 664, 6–8.1• • value of, 109(6)

• forms• variable insurance contract• • application, 228• • defined, 110(1)• • approval by Superintendent, 227• • form of, 110(3)• information• • information folders, 110(4)–(6)• • deemed part of application, 229(2)• • prohibition, 110(2), 110(7)• • for applicants, 229(1)• • regulations, 110(8)• • from agents, 230(2)• where Superintendent takes control of,

62(1) • • from brokers, 230(1)

• • application by Superintendent to court • • Ministry of Community and Socialto wind up, 62(2) Services, etc., to, 273.1

• • appointment of managers, 62(3) • • request for, 230(3)

1705

Ind

ex

Index

• • • terms under s. 265, 276AUTOMOBILE INSURANCE (cont’d)• licence of insurer • motor vehicle liability policies• • conditions on, 45(1) • • action for damages occasioned by

automobile• • penalty for breach, 45(2)• • • duty to disclose insurance, 259(2)• limited accident insurances• • • notice of action by insured, 259(1)• • collateral source rule not to apply,

267 • • additional agreements, 245• • deductible amounts • • advance payments and release by

claimant, 256• • • determination of, 267.2(2)• • application of insurance money under,• • • publication of, 267.2(1)

see INSURANCE MONEY• • no-fault principle established, 266

• • claim for loss or damage from bodily• • protection from liability, 267.1 injury or death, 258.2–285.6• • • determination of liability, • • • duty of insurer re settlement of

267.1(11) claim, 258.5• • • liability, joint and several, 267.1(7) • • • duty to disclose limits, 258.4• • • liability of other persons, 267.1(6) • • • mediation, 258.6• • • non-pecuniary loss, 267.1(2) • • • notice and disclosure before action,• • • • application of this section, 258.3

267.1(15) • • claims to be adjusted with insured,• • • • amount of damages, 262

267.1(8)–(9) • • defence where more than one• • • • costs, 267.1(12) contract, 257

• • excess insurance, 253• • • • other tortfeasors, 267.1(10)

• • insurer made third party,• • • threshold258(14)–(16)• • • • determination if met, at trial,

• • liability from ownership267.1(5)

• • • contamination of property carried• • • • determination if met, motion,in automobile, 246267.1(3)–(4)

• • • exclusions, 249–250(1)• • uninsured automobile coverage, 265,see also UNINSURED • • limitation period, 259.1AUTOMOBILE COVERAGE

• • minimum liability• • • application of section, 265(9) • • • minimum liability, 251(1)• • • definitions, 265(2) • • • minimum liability outside Ontario,• • • exclusion from coverage, 252

265(3)–(4) • • • minimum limits where separate• • • payment into court, 271 limits designated, 251(3)• • • regulations, 265(5) • • • priorities, 251(2)• • • release, 265(8) • • • variation of limits, 251(4)

• • • restriction on recovery, 265(7) • • non-owner’s policy, 241

• • • rights of unnamed insured, 270 • • notice of accident, 258.1

• • • subrogation, 265(6) • • “nuclear energy hazard”

1706

Index

• • notice of expiry or variation, 236AUTOMOBILE INSURANCE (cont’d)• • • defined, 255(1) • • • exemption, IAR 664, 4• • • liability when nuclear energy • • proof of terms of, 232(7)

contract also in force, 255(2)• • statutory conditions, 234

• • • when contract deemed in force,• • termination255(3)• • • grounds to terminate, 238• • owner’s policy• • • • affiliated insurers, 238.1• • • death of person named in, 239(4)• • • • effective date, 238(4.1)• • • excluded driver, 240• • • • filing, 238(2)• • • other automobiles, coverage of,

239(3) • • • • material required, 238(3)–(3.1)• • • persons deemed not owners, 242 • • • • notice, 238(5)• • • saving, statutory accidence • • • • prohibition from using grounds,

benefits, 239(2) 238(4)–(4.1)• • • specific automobile, coverage of, • • • limitation on, 237(1)

239(1)• • • • exemption, 237(3)–(5)

• • partial payment by insured, 254• • • • information required by

• • partial payment of loss clause, 261 Superintendent, 237(2)• • physical damage cover, stipulations • • • • non-application of limitation,

in, 260 237(6)• • territorial limits, 243 • • • • refusal to issue contracts, IAR• • unnamed insured, rights of, 244 664, 5• other insurance, 277 • • • • Tribunal• out-of-province insurers, 226.1 • • • • • appeal to, 238(6)• policy • • • • • hearing, 238(9)–(11)• • certificate of, 232(5)–6 • • • • • powers of, 238(12)–(13)• • • copy, insured entitled to, 232(3), • • • • • prohibition by, 238(7)

(5.2)• • • • • reconsideration, 238(8)

• • • effect of certificate, 232(5.1)• premium

• • copy, insured entitled to, 232(3)• • monthly premium payments, IAR

• • copy of application in, 232(1) 664, 3• • endorsement, 232(8) • statutory accident benefits, see• • form of, 232(4) STATUTORY ACCIDENT BENEFITS• • inspection requirements prior to • subrogation of insurer, 278

issuing policy, 232.1• withdrawal from business

• • issued where no signed application,• • authority withdraw, 65.1(6)232(2)• • information, requested by• • misrepresentation, effect of, 233(1)

Superintendent, 65.1(5)• • • not invalidating benefits under

• • procedureSABS, 233(2)• • • generally, 65.1(1)–(2)• • • used in defence of claim,

233(3)–(4) • • • notice, 65.1(3)–(4)

1707

Ind

ex

Index

• • assignments, 316(3)–(5)AUTOMOBILE INSURANCE (cont’d)• • Superintendent’s powers, 65.1(5), • • death of, 314(2)

(7)–(8)• • designation of

AUTOMOBILE INSURANCE RATE • • • definition of “heirs”, etc., 314(1)STABILITY ACT, 1996, ACCIDENTS

• • • generally, 313(1)AFTER• • • invalid will, in, 313(2)• application, 267.4• • • • priorities, 313(3)• collateral benefits, 267.8• • • • revocation, 313(4)–(5)• costs, 267.5(9)• • disability, under, 322• definitions, 267.3• • payment• income tax, no gross-up for, 267.11• • • amounts not exceeding $2,000, 323• liability• • • beneficiaries under disability, 322• • joint and several with other

tortfeasors, 267.7 • • • court, into, 320• • of lessors, 267.12 • • • creditors, free from, 317(1)• • of other persons, 267.5(10) • • • documents affecting title,

316(1)–(2)• • vicarious, 267.5(10.1)• • • personal representative, to, 324(5)• non-pecuniary loss

• • • place of, 324(1)–(4)• • amount of damages, 267.5(7)–8.2

• • • seizure, exemption from, 317(2)• • determination if threshold met, attrial, 267.5(15) • • right to sue, 314(3)

• • determination if threshold met, • • trustee for, 315motion, 267.5(12)–(13)

• life insurance• proceedings by action, 267.9

• • assignments, 197, 200(2)• protection from liability

• • death of, 194(1)• • health care expenses, 267.5(3)

• • designation of• • income loss and loss of earning

• • • change in, 190(2)capacity, 267.5(1)–(2)• • • definition of “heirs”, etc., 190(3)• • non-pecuniary loss, 267.5(5)• • • generally, 190(1)• • public transport vehicles, 267.5(6.1)• • • irrevocable designations, 191• • undertakings, 267.5(6)• • • invalid will, in, 192(1)• statutory accident benefits, 268–269,

274–275, see also STATUTORY • • • • priorities, 192(2)ACCIDENT BENEFITS • • • • revocation, 192(3)–(4)

• structured judgments, 267.10, IAR • • • irrevocable designations, 191461/96, 6

• • disability, under, 221• uninsured owner or lessee, no action by,

• • for value, 172(2)267.6• • group insurance, 173, 201

B • • minors, 202

• • multiple beneficiaries, 194(2)BENEFICIARIES

• accident and sickness insurance • • payment

1708

Index

• licence to carry on insurance business,BENEFICIARIES (cont’d)43(2)• • • beneficiaries under disability, 221

• publication in Ontario Gazette, 43(1.2)• • • court, into, 214

• • • creditors, free from, 196(1) COLLATERAL SECURITY,INSURANCE AS, 137–138• • • documents affecting title, 203, 207,

208–213 COMMISSION, see also FINANCIAL• • • installments, in, 216 SERVICES COMMISSION OF

ONTARIO• • • insurer holding, 217• defined, 1• • • place of, 204

COMMITTTEES• • • seizure, exemption from, 196(2)

• appointment, 7(1)• • • simultaneous deaths, 215• duties, 7(3)–(4)• • • trustee, to, 193(2)• names of, 7(2)• • multiple beneficiaries, 194(2)

• • preferred beneficiary, 172(3) COMPENSATION ASSOCIATION• • right to sue, 195 • agreements with, 120

• • trustee for, 193 • assessments and levies, 44(2)

• defined, 1BROKER• exclusion from, 44(3)• defined, 1• generally, IAR 67/07• liability for unlawful contracts, 396• membership, 44(1)• money held in trust for payee, 402(2)

COMPULSORY AUTOMOBILE• premiumsINSURANCE• • held in trust for insurer, 402(1)

• Administrative penalties, CAIA 14.3,• • receiving, 394–395CAIAR 409/12

• agents, obligations of, CAIA, 5C• contravention of Act

CASH-MUTUAL CORPORATION• • Faculty Association, by, 14(3)–(6)

• defined, 1• • general penalty, CAIA, 14(2)

• power of attorney of, 54• • restitution, CAIA, 14(7)

• service of notice of process on, 35• • suspension or cancellation of licence,

CHIEF AGENCY CAIA, 14.1

• defined, 1 • definitions, CAIA, 1

• driver’s licence, securing possession of,CLAIM FOR INDEMNITYCAIA, 2(4)–(5)

• not rendered unenforceable by violation• exemptionsof law, 118• • government of Canada, CAIAR 95, 1

CLASSES OF INSURANCE• • Mennonite Church members, CAIAR

• conditions, 43(4) 95, 2• defined by Superintendent, 43(1) • • TTC Insurance Company Limited,• determination of, 43(3) CAIAR 95, 3

1709

Ind

ex

Index

• made in Ontario, deemed, 123COMPULSORY AUTOMOBILEINSURANCE (cont’d) • policy• Facility Association, CAIA, 7–11.1,

• • contents, 12714(3)–(6)• • effect of delivery, 134(1)• impounding motor vehicle, CAIA,• • payment under, 1302(7)–(9)

• • unpaid premiums, 134• insurance card

• • misrepresentation on, CAIA, 6(2) • terms

• • obligation to carry, CAIA, 3 • • set out in full, 124• • obligation to issue, CAIA, 6(1) • • waiver of, 131• • possession, use or sale of invalid CORPORATE GOVERNANCE

card, CAIA, 13.1• affiliated individuals, 121.23

• mandatory insurance of all automobiles,• audit committee, IAR 123/08, 3CAIA, 2• committees, 121.24(2)–(3)• offences, CAIA, 2(3), (6), 3(3), 4(3),

13.1(2), 14 • conduct review committee, IAR 123/08,4• particulars of insurance to be disclosed

upon accident, CAIA, 4 • definitions, IAR 123/08, 1–2• prosecutions, 13.2 • directors, duties of, 121.24(1)–(2)• termination of contract, CAIA, 12 • exemption, IAR 123/08, 5• validation or transfer of permits, CAIA,

COURT PROCEEDINGS13, CAIAR 239/10• automobile insurance

CONTRACT• • deductible amounts, IAR 461/96, 5.1

• actions• • deemed amounts in respect of income

• • consolidationloss, IAR 461/95, 5.2

• • • apportionment of sums to be paid,• • gross income loss, determination of,133(3)

IAR 461/96, 4.0.1• • • generally, 133(1)

• • information before action, IAR• • • minors, 133(2) 461/96, 2• • • payee abroad, 133(4) • • livery vehicle, IAR 461/96, 7• • insurer fails to satisfy judgment, 132 • • mediation, IAR 461/96, 3• • timing of, 136 • • net income loss, determination of,• title insurance, 139, see also TITLE IAR 461/96, 4

INSURANCE• • permanent serious impairment of

• application for insurance to be given to important physical, mental orinsured, 125 psychological function, IAR 461/96,

4.1–4.3• application of Part III, 122

• • structured judgments, IAR 461/96, 6• appraisals, 128

• defined, 1D• forms, insurer to furnish, 135

DEBT OBLIGATION• forfeiture, relief from, 129

• inconsistency with Act prohibited, 126 • defined, 1

1710

Index

DEPOSITS ENTITY

• defined, 1• appeal, 66(2.1)

• application to court, 66(14) EXAMINATION ANDENFORCEMENT• claims, 66(11)

• definitions, 442, 447(1)• failure to comply, 66(4)• generally, 443• interest, 66(6)• liability of person who makes statement• order to fix amount, 66(10)

or disclosure, 446• out-of-province insurer, 66(12)

• offences, 447(2)• • notice to insured, 66(13)

• • director, officer, chief agent, liability• purpose of, 66(9) of, 447(4)• reciprocal deposits, 66(8) • • limitation period, 449• required by Superintendent of insurer, • • penalty, 447(3)

66(1) • • restitution, 447(5)• substitution, 66(7) • order for compliance, 448• vesting, 66(5) • powers of, 444• when to be made, 66(2) • reports, 445• withdrawal, 66(3) • • auditor, by, 445(1)

• • others, by, 445(2)DIRECTOR OF ARBITRATIONS• • privilege, 445(3)• appointment, 6• • others, by, 445(2)• defined, 1

• exclusive jurisdiction, 20 EXCHANGE or RECIPROCALINSURANCE EXCHANGE, see also• proceedings before, 22RECIPROCAL INSURANCE

• rules by, 21 EXCHANGES• statutory accident benefits, resolving, • defined, 1

279–288

FDISCRIMINATION

• racial or religious, prohibited, 140 FAULT DETERMINATION RULES

• backing up and u-turns, IAR 668/90, 19DISPUTES BETWEEN INSURERS,IAR 283/95 • chain reactions, IAR 668/90, 9

• conflicting rules, IAR 668/90, 4DUE APPLICATION• defined, 224(1)• defined, 1• definition, IAR 668/90, 1

E • degree of fault, determination of, IAR668/90, 2–3

EMERGENCY VEHICLES• degree of fault where incident outside

• definitions, 417.0.1(2), 417.0.1(5) rules, IAR 668/90, 5• limitation, 417.0.1(4) • direct compensation, 263(3)–(4)• rates, 417.0.1(3) • driver charged with driving offence,• risk classification system, 417.0.1 IAR 668/90, 20

1711

Ind

ex

Index

• • conflict of interest guidelines,FAULT DETERMINATIONFSCOA, 9RULES (cont’d)

• driver failing to obey sign or officer’s • • employees, FSCOA, 8direction, IAR 668/90, 18 • • established, FSCOA, 2(1)

• entrance lane, IAR 668/90, 8 • • executive of, FSCOA, 4• intersections • • members, FSCOA, 2(2)• • traffic signs, IAR 668/90, 14

• • policy statements, FSCOA, 12• • traffic signals, IAR 668/90, 15

• • purposes, FSCOA, 3• • traffic signals or signs, none, IAR

• • reports, FSCOA, 15668/90, 13• • statement of priorities, FSCOA, 11• • traffic signs, IAR 668/90, 14• definitions, FSCOA, 1• parked automobile, IAR 668/90, 17• fees, forms and regulations, FSCOA,• parking lots, IAR 668/90, 16

27–28• parking place, IAR 668/90, 7(2)

• immunity, FSCOA, 10• pile up, IAR 668/90, 11

• Superintendent• private road or driveway, IAR 668/90,

• • certificates and documents issued by,7(3), 10(6)–(7), 12(6)FSCOA, 16–17

• sideswipes, IAR 668/90, 10(2)–(3),• • format of documents and information,12(2)–(3)

FSCOA, 15.1• statutory accident benefits, 275(2)

• • generally, FSCOA, 5(1)• travelling in opposition directions

• • powers and duties, FSCOA, 5(2)–(5)• • adjacent lanes, IAR 668/90, 12

• Tribunal, Financial Services• travelling in same direction

• • certificates issued by, FSCOA, 18–19• • adjacent lanes, IAR 668/90, 10

• • established, FSCOA, 6(1)• • same lane, IAR 668/90, 6

• • exclusive jurisdiction, FSCOA, 20FEES, 121.1 • • hearing panels, FSCOA, 7

FINANCIAL INSTITUTION • • members, FSCOA, 6(2)–(8)

• defined, 1, IAR 127/08, 1 • • proceedings before, FSCOA, 20–24

FINANCIAL SERVICES FIRE INSURANCECOMMISSION OF ONTARIO • agricultural property, defined, 142

• assessment of regulated sector, FSCOA, • contract, form of, 14625–26

• coverage, extent of, 144(1)• • credit union sector, FSCOAR 11/01,

• • extended insurance, 144(4)1–2.1• • “lightning” in livestock contracts,• • insurance sector, FSCOAR 11/01,

144(5)3–4• • radio-active contamination, 144(2)• • loan and trust sector, FSCOAR 11/01,• • where property removed, 144(3)5–6

• generally, 143• • pension sector, FSCOAR 11/01, 7–10

• liability, limitation of, 149• Commission

• • auditor general and, FSCOA, 14 • rateable contribution, 150

1712

Index

• by-laws and rules, 346–348FIRE INSURANCE (cont’d)• • identified articles, 150(6) • central body for Ontario, 345• • postponement of policy, 150(2) • conditions• • proportions, ascertainment of, • • abstinence, 352(2)

150(4)–(5)• • forfeiture, 352(1)

• • restrictions, 150(3)• default in complying with request of

• renewal, 145 Commissioner, 358• special stipulations, 151 • defined, 1• statutory conditions, deemed, 148 • definitions, 339• subrogation, 152 • distribution of endowment and• where loss payable to other than expectancy funds, CA, 225

insured, 147 • documents forming life insurancecontract, 174(3)FIRE MUTUALS GUARANTEE FUND

• foreign society, incorporation of, CA,• assessment, relief from, 169(5)178• assets of fund, 169(4)

• general or expense fund, 362• • administration, 169(3.3)• head offices, 354• • investment and lending activities,

IAR 128/08 • incorporation, CA, 176–181

• establishment of, 169(1) • licence requirements, 341–342

• general reinsurance agreement, 153 • • guarantee and endowment insurance,exception for, 344• • application of act, 169(9)

• local branch, incorporation of, CA, 179• members, 169(2)• members• • cessation of membership, 169(7)• • liability, limitation of, 350• • premium note plan, ceasing to issue

contracts, 169(8) • • notice to, 353• • withdrawal of approval, 169(7.1) • • policy disclosures to, 371• passing of accounts, 169(10)–(11) • • special assessment where epidemic or

unforeseen contingency affects funds• powers of fund, 169(3.2)of society, 361• purpose of fund, 169(3)–(3.1)

• readjustment committee• Superintendent’s interest in fund, 169(6)• • appointment of, 358(1)FOREIGN JURISDICTION• • report filed by, 358(2)–(4)• defined, 1• reduction of benefits, 357

FORMS, 121.2• separate accounts for each class of

FRATERNAL SOCIETY insurance, 359

• accident and sickness insurance contract, • societies not deemed to be, 343301(8)

G• actuary’s report, 355

• amalgamation, CA, 180–181 GOVERNING EXECUTIVEAUTHORITY• annual statement, 370

• assets of society, where insufficient, 356 • defined, 1

1713

Ind

ex

Index

GROUP MARKETING PLANS • • employment

• • • responsibility to seek, SABS, 13• automobile insurance, IAR 664, 17

• • • temporary return to, SABS, 14GUARANTEE INSURANCE, see TITLEINSURANCE • • entitlement to, SABS, 7

• • gross annual income, SABS, 9H • • period of benefit, SABS, 8

HEAD OFFICE • • withdrawal from workforce, SABS,11• defined, 1

INDUSTRIAL CONTRACTHEALTH SYSTEM COSTS• defined, 1• assessment of, 14.1, IAR 401/96

INSURANCE CARD, seeI COMPULSORY AUTOMOBILE

INSURANCEINCOME REPLACEMENT BENEFITINSURANCE CORPORATIONS, see• after Sept. 1/10

also FRATERNAL SOCIETY, JOINT• • adjustment after age 65, SABS10, 8

STOCK INSURANCE COMPANIES,• • amount of benefit, SABS10, 7 MUTUAL BENEFIT SOCIETY• • definitions, SABS10, 4 • amalgamation, CA, 146–147• • eligibility criteria, SABS10, 5 • application of Corporations Act, CA,

141–141.1• • employment, temporary return to,SABS10, 11 • auditor’s report, CA, 205

• • entitlement arising on or after 65th • authorized capital, CA, 143birthday, SABS10, 9 • balance sheets and statements, CA, 207

• • Human Rights Code, SABS10, 10 • board of directors of insurer, CA,• • period of benefit, SABS10, 6 141.2–141.4, 145

• after Nov. 1/96 • by-laws, delivery to Superintendent, 51,CA, 206• • adjustment after age 65, SABS96 9

• definitions, CA, 140• • amount of benefit, SABS96 6–7• forfeiture of charter, CA, 196• • collateral payments and maximum

amount of benefit, SABS96, 7 • incorporation

• • joint stock insurance companies, CA,• • eligibility criteria, SABS96, 4142, see also JOINT STOCK• • employment, temporary return to,INSURANCE COMPANIESSABS96, 11(1)

• • mutual and cash-mutual insurance• • entitlement arising after age 65,corporations, CA, 148, 152SABS96, 10

• • mutual fire insurance corporations,• • Human Rights Code, SABS96, 10.1CA, 149

• • gross income calculations, SABS96, 8• • mutual livestock insurance

• • period of benefit, SABS96, 5 corporations, CA, 150• between Jan. 1/94 and Oct. 31/96 • • mutual weather insurance• • amount of benefit, SABS, 10 corporations, CA, 151

• • benefits after age 65, SABS, 12 • life insurance

1714

Index

• • • creditors, not subject to claims of,INSURANCE CORPORATIONS (cont’d)317• • information before annual meetings,

CA, 198–199 • • • documents affecting title, 316• • • balance sheet, CA, 201 • • • enforcing rights, group person, 318• • • notes to financial statement, CA, • • • in Canadian dollars, 324(3)

203• • • into court, 320, 321

• • • reduction of capital, CA, 144• • • not exceeding $2000, 323

• • reserves, y204• • • outside Ontario, 324(4)–(5)

• • • statement of revenue and• • • place of, 324expenditure, CA, 199• • • simultaneous deaths, 319• • • statement of surplus, CA, 200• automobile insurance• • surplus to policyholders, CA, 144(1)• • application of, under motor vehicle• mutual and cash-mutual insurance

liability policy, 258(1)companies• • contribution among insurers, 258(6)• • amalgamation, CA, 175• • defences• • annual meeting, CA, 159(1), 161(1)• • • instrument not motor vehicle• • annual statement, CA, 159(2),

liability policy, 258(5)161(2)–(5)• • • ss. 247, 248 coverage, 258(10)• • directors• • • s. 250 coverage, 258(9)• • • failure to elect, CA, 160• • • where excess limits, 258(11)• • • generally, CA, 164–173• • • where vehicle used in business of• • distribution of assets, when permitted,

carrying passengers, 258(12)CA, 156• • insured’s liability to reimburse• • membership, CA, 158

insurer, 258(13)• • • voting, CA, 162–163

• • insurer absolutely liable, 258(4)• • • security, CA, 174

• • insurer made third party,• • special general meeting, CA, 258(14)–(16)

161(6)–(7)• • other creditors excluded, 258(3)

• • vesting of assets and preservation of• • payment into court, 258(7)–(8)liabilities, CA, 155• life insurance• • when cash-mutual company may• • insurer giving information, liabilitybecome joint stock company, CA,

of, 223154• • payment• • when mutual company may become

cash-mutual corporation, CA, 153 • • • appeal, 212• pension fund or mutual benefit society, • • • beneficiary under disability, 221

see MUTUAL BENEFIT SOCIETY• • • court ordered payment, 218–291

• winding up, CA, 212–224• • • creditors, not subject to claims of,

196INSURANCE MONEY

• • • documents affecting title, 207• accident and sickness insurance

• • • in Canadian dollars, 204(2)• • payment

• • • beneficiary under disability, 322 • • • in instalments, 216

1715

Ind

ex

Index

• • prescribed subsidiary, IAR 121/08, 4INSURANCE MONEY (cont’d)• • • insurer holding insurance money, • • specialized financing activities, IAR

217 121/08, 9–10• • • into court, 210, 214, 218–220 • • substantial investments• • • minors, 220 • • • exceptions, continuation of, IAR

121/08, 7• • • outside Ontario, 204(3)–(4)• • • financial leasing entity, IAR• • • place of, 204(1)

121/08, 6• • • presumption of death, declaration• • • permitted entities, IAR 121/08, 5as to, 209• • Superintendent’s approval, IAR• • • proof of claim, 203

121/08, 8• • • simultaneous deaths, 215

• portfolio and lending limits• • • stay of proceedings, 211

• • aggregate investment limit, 435.12• • • sufficiency of proof, declaration as

• • asset transactions, 435.14, IARto, 208121/08, 21, IAR 122/08, 18

• • right to sue, 195• • divestment order, 435.13

INSURANCE OMBUDSMAN • • equity acquisitions, 435.11, IAR• appointment of, 5.1(1) 121/08, 19, IAR 121/08, 19, IAR

122/08, 16(2)• authority of, 5.1(5)• • exclusion from limits, 435.8, IAR• complaints, 5.1(3)

121/08, 17, IAR 122/08, 14• • response, 5.1(4)

• • life insurers, 435.9(1)• duties, 5.1(2)

• • • restrictions and limits on insurer’sINVESTMENTS business activities, IAR 121/08,

12–19• control• • other insurers, 435.9(2)• • corporations, 432(3)• • property and casualty insurers• • deemed, 432(6)–(7)• • • restrictions and limits on insurer’s• • limited partnership, 432(5)

business activities, IAR 122/08,• • subsidiary, 432(8) 9–16• • unincorporated entities, 432(4) • • • total assets, IAR 122/08, c. 18• definitions, 431.1, 432, IAR 131/08, 1 • • real property, 435.10, IAR 121/08,• exemptions, IAR 131/08, 2 19(1), 20, IAR 122/08, 12–16• interpretation and application, • • restrictions on loans, 435.7, IAR

431.1(2)–(11), 433, 436 121/08, 12–16• investment standards, 434 • property and casualty insurers• life insurers • • commercial loan, IAR 122/08, 3

• • commercial loan, IAR 121/08, 3 • • definitions, IAR 122/08, 2

• • definitions, IAR 121/08, 2 • • interests in real property, IAR 122/08,17• • interests in real property, IAR 121/08,

20 • • investments outside control of insurer,IAR 122/08, 8• • investments outside control of insurer,

IAR 121/08, 11 • • prescribed subsidiary, IAR 122/08, 4

1716

Index

LINVESTMENTS (cont’d)• • substantial investments

LICENCE• • • exceptions, IAR 122/08, 6 • application and interpretation to insurers,• • • permitted entities, IAR 122/08, 5 39

• • Superintendent’s approval, IAR • automobile insurance, 45122/08, 7 • capital requirements, 48

• shares or ownership interests, acquiring • classes of insurance, see CLASSES OFthrough loan workouts and realization of INSURANCEsecurity interest, 435.3–435.4

• conditions on licence, 43(4), 45(1),• substantial investment, 432(9) 55(2)–(5)• • acquiring, holding or increasing • conditions precedent to issuance, 52(3)

• • • authorized investments, 435.6 • documents to be filed by applicant, 50

• extra-provincial corporation, 48(11)• • • generally, 435

• fire and life combined, restrictions on,• • • indirectly, 435.248(9)

• • • loan workouts, 435.3• form of, 55(1)

• • • permitted entities, in, 435.1• fraternal societies, 341–342

• • • realization of security interest, on,• head office outside Ontario, 48(10)435.4• • power of attorney of chief agent• • • specialized financing, 435.5

where head office outside Ontario, 54• • fraternal societies, IAR 122/08, 5–6

• life insurance, scope of licence, 46• • life insurance, IAR 121/08, 5–6 • necessity for, 40• • property and casual insurers, IAR • notice of application to be published in

122/08, 5–6 Ontario Gazette, 49• transitional, 431.1(2)–(11), 436 • notice of suspension or cancellation,

published in Ontario Gazette, 65• value of assets retained in Canada, 437• privilege concerning licensed person,

116J• revival of licence, 64JOINT STOCK INSURANCE• right to, 53COMPANIES, see also INSURANCE

CORPORATIONS • statement of expenses of applicant, 52• amalgamation, CA, 147 • Superintendent’s report, 58• auditor’s report, CA, 205 • • hearing, 58(4)

• capital requirements for, 48 • • interim order, 58(6)–(7)

• • notice to insurer, 58(2)• cash mutual company becoming, CA,154 • • power of tribunal, 58(8)–(9)

• conversion into mutual company, CA, • • • appeal of tribunal order, 63211

• • request for hearing, 58(3)–(5)• directors, CA, 210 • • when made, 58(1)• incorporation, CA, 142 • suspension of, where undisputed claim• distribution of part of profits, 112 unpaid, 56

1717

Ind

ex

Index

• • minors, capacity of, 202LICENCE (cont’d)• who may be licensed, 42 • • replacement of, IAR 674, 1–4

• • transfer of ownership on death ofLIFE INSURANCEinsured, 198• age

• • when effective, 180(1)• • exception, 186(1)

• definitions, 171(1)• • limitation of, 186(3)

• disclosure• • misstatement of

• • duty of applicant, 183, 184• • • group, 187

• • duty of insurer, 185• • • individual, 186(2)

• group insurance, 173• agency, presumption against, 222

• information, insurer giving, 223• annuity deemed life insurance, 171(2)

• insurable interest• beneficiaries, see BENEFICIARIES • • contract void for lack of, 178• claim • • defined, 179• • evidence of death, 203(2)–(3), • insurance money, see INSURANCE

208–213 MONEY• • insurer holding insurance money, 217 • joint stock company, capital• • payment, see also INSURANCE requirements, 48(1)

MONEY • • distribution of profits, 112• • • actions for, 205 • policy• • • beneficiary under disability, 221 • • contents of, 175• • • court-ordered, 218 • • • group certificate, 177• • • • costs, 219 • • • group policy, 176• • • in instalments, 216 • • copy of application, 174(4)• • • into court, 214 • • documents forming contract, 174(2)

• • • • costs, 219 • • • contract of fraternal society, 174(3)

• • issuance, 174(1)• • • • documents affecting right to,207 • premiums

• • • place of, 204 • • default in payment, 181(1)• • • to minors, 220 • • grace period, 182(2)–(3)• • power of court where evidence not • • registered letter, payment by, 181(2)

sufficient, 213 • • who may pay, 182(1)• • proof of claim, 203(1) • reinstatement of lapsed policy, 189• contract • scope of licence, 46• • actions, see PRACTICE AND • separate accounts required of insurer,

PROCEDURE 111• • assignment, 200 • simultaneous deaths, effect of, 215• • dividends, entitlement to, 198 • suicide, effect of, 188• • enforcing rights of group life insured,

201

• • insured dealing with, 197

1718

Index

M MEDIATORS

• appointment, 9MARINE INSURANCE• testimony in civil proceeding, 11(5)• contract

MINORS• • common law applies, 90

• accident and sickness insurance• • good faith, MIA, 18

• • payment into court, 321• • ratification, MIA, 87

• • policies on the lives of minors• • variation, 88

• • • capacity, 307• contract deemed concluded, MIA, 22

• • • duty to disclose, 308• coverage• • • incontestability, 309• • extended coverage, MIA, 3• • • misstatement of age, 312• • marine adventure, MIA, 4(1)• • • pre-existing conditions, 311• definitions, MIA, 1–2, 4(2), (3)• • • reinstatement, application to• disclosure and representations

incontestability to, 310• • disclosure by agent effecting• life insuranceinsurance, MIA, 20• • capacity, 202• • disclosure by assured, MIA, 19• statutory accident benefits• • representations pending negotiation of

contract, MIA, 21 • • payment into court, 271• double insurance, MIA, 33 • uninsured automobile coverage

• indemnity, measure of, MIA, 68–79 • • payment into court, 271

• insurable interest, MIA, 5–16 MOTOR VEHICLE ACCIDENTS• insurable value, MIA, 17 CLAIMS ACT

• application for payment• insurer, rights on payment, MIA, 80–82

• • designated insurer, MVACA, 5• loss and abandonment, MIA, 56–64

• • where cause of action exists,• mutual insurance, MIA, 86MVACA, 7–8, MVACAR, 800, 2• partial losses, MIA, 65–67

• • where cause of action exists,• policyMVACA, 4

• • assignment of, MIA, 51–52• assessment, MVACA, 2(6), MVACAR

• • generally, MIA, 23–32 280/03• premium • definitions, MVACA, 1• • generally, MIA, 53–55 • designated insurers, MVACAR 799• • return of, MIA, 83–85 • disclosure of information, 27.1

MVACAR 279/03• reasonableness, determination of, 89• driver• voyage, MIA, 43–50• • all reasonable efforts to ascertain• warranties, MIA, 34–42

identity as condition to grantingMEDIATION judgment, MVACA, 17• automobile accidents • • order as to, MVACA, 20• • bodily injury or death, 258 • • where identity cannot be established,• • statutory accident benefits, 280 MVACA, 12, 13

1719

Ind

ex

Index

• ownerMOTOR VEHICLE ACCIDENTSCLAIMS ACT (cont’d) • • order as to, MVACA, 20• • where identity cannot be established, • • where identity cannot be established,

but owner known, MVACA, 15 MVACA, 12, 13• forms, MVACA, 28

• • where identity cannot be established,• judgment but owner known, MVACA, 15• • assignment to Minister, MVACA, 9 • regulations, MVACA, 30• licence • statutory accident benefits, MVACA, 6• • cancellation or suspension, MVACA, • • where winding-up order made,

2(10) MVACA, 6.1• • • restoration upon instalment • Superintendent

payments, MVACA, 11,• • action against where driver’s identityMVACAR 800, 3–6

cannot be established, but owner• • • suspension on default of payment, known, MVACA, 15

MVACA, 4(8)• • added as party where identity of

• • • suspension where payment made driver cannot be established,out of Fund, MVACA, 4(7), 10 MVACA, 13

• • fee on issue or renewal, MVACA, • • denial of allegations, MVACA, 162(2), MVACAR 800, 1

• • Minister may require information• • revival of, MVACA, 2(11) where cause of action against,

MVACA, 27.1, MVACAR 279/03• Motor Vehicle Accident Claims Fund

• • non-jury action where Superintendent• • generally, MVACA, 2is party, MVACA, 14• • payment from Fund

• • not personally liable, MVACA, 21• • • costs, MVACA, 26–27• uninsured vehicles• • • limits payable, MVACA, 23• • Superintendent as agent, MVACA, 3• • • • partial discharge of judgment

debt, MVACA, 23(5) MOTOR VEHICLE LIABILITY• • • limits payable re designated POLICIES, see AUTOMOBILE

insurer, MVACA, 24 INSURANCE

• • • • additional payment, MVACA, MUTUAL BENEFIT SOCIETY24(6)

• audit, special, CA, 194• • • • partial discharge of judgment

• by-laws, CA, 189–190debt, MVACA, 24(7)• charter by letters patent, CA, 185• • • no payment made where policy of• • forfeiture for non-user orinsurance exists, MVACA, 22

discontinuance, CA, 196• • • payment against Superintendent,• definitions, CA, 184MVACA, 19

• director, CA, 187• • • payments to non-residents,MVACA, 25 • first meeting, CA, 186

• • • solicitor’s fee, MVACA, 26(3)–(4) • members, prohibition against assigninginterest, CA, 193• • • settlement of amounts owing,

MVACA, 11.1 • parent corporation, contribution by, CA,• offences, MVACA, 29 192

1720

Index

POWER OF ATTORNEYMUTUAL BENEFIT SOCIETY (cont’d)• power and objects of society, CA, • chief agent, where office outside

188–189 Ontario, 54• return to Minister, CA, 195 • motor vehicle liability policy, stipulation• revenue, CA, 191 in, 252

• reciprocal insurance exchange, 380N

• reciprocal insurance exchange, 380NON-OWNER’S POLICY

PRACTICE AND PROCEDURE• coverage of, 241

• action in Ontario• defined, 1

• • accident and sickness insurance, 325NUCLEAR ENERGY HAZARD, see • • life insurance, 205

AUTOMOBILE INSURANCE• payment into court

• • accident and sickness insurance, 320O• • • beneficiary is a minor, where, 321OFFICER• • life insurance, 214,218• defined, 1• • • beneficiary is a minor, where, 220• duties of directors, 121.24• • • costs, 219

OFFICIAL DOCUMENTS• service of documents, 33–35

• defined, 26(1)PREMIUM• evidence, as, 26(2)–(3)• defined, 1OWNER’S POLICYPREMIUM NOTE• coverage, 239, 277• agents holding, 402• defined, 1• defined, 1

P • return on termination of contract, 138PAID IN • unpaid premiums• defined, 1 • • accident and sickness insurance,

303–304PAID UP• • generally, 134• defined, 1• • life insurance, 180–182

PARTICIPATING SHAREPRIVILEGE• defined, 1• information concerning licensed person,

PAYMENT INTO COURT, see 116PRACTICE AND PROCEDURE

PROPERTYPOLICY• defined, 1• defined, 1PUBLIC TRANSIT VEHICLES• form of, 117(1)• automobile insurance• prohibition of certain policies, 117(2)

• • definition, 224(1)• • appeal, 117(2.1)

• • offence, 117(3) • • protection from liability, 267.5(6.1)

1721

Ind

ex

Index

R • • not to act until granted, 389

• • suspension or revocation, 390RATES, see also RATING BUREAUS;and RISK CLASSIFICATION SYSTEM • service where office not in Ontario, 384

• changes in, 409(2) • subscriber not insurer, 379• defined, 1 RECORDS AND RETURNS• deviation from filed rate, offence of,

• annual and interim statements, 102409(4)• • financial statements, IAR 669/90• inquiry into, 418• • minimum capital test, IAR 259/04• return of rates, 409(2)• information on claims, 101.1

RATING BUREAUS• • prescribed information, IAR 534/06

• constitution by-laws, 409(1)• application to register under Canadian

• defined, 408 and British Insurance Companies Act,• duties, 409 119

• financial statements, preparation, 104RECIPROCAL INSURANCEEXCHANGES • published statements re financial

condition of insurer, 105–106• assets

• report on share transfers, 100• • cash or investments, 386(1), IAR637/00 3 • required by Superintendent, 101

• • deficiency, 386(5)–(6) • • notice of requirements, 103• • divestment order, 389.1

REFERENCE HEARINGS, 19• • investment of funds, 387

REGISTERED INSURANCE• • surplus, 386(2), IAR 637/00, 4BROKERS

• authority for, 378• definitions, RIBA, 1

• contract• exemption of Risk Management

• • action, who may maintain, 380(2) Consultants, RIBAR 990, 1• • execution of, 380(1) • notice, RIBA, 29• • for subscribers only, 388

• offence, RIBA, 34• defined, 1 (under “exchange”)

• Registered Insurance Brokers of Ontario• definitions, 377

• • annual report, RIBA, 10• exchange agreement, required elements

• • board of inquiry, reference to, RIBA,of, 380.1, IAR 637/00, 0.120

• filings• • by-laws, RIBA, 11

• • by exchange, 381(2)• • certificate of coverage to be provided

• • by members, 381(1) by member, RIBAR 991, 9• • prescribed information, IAR 637/00,

• • code of conduct, RIBAR 991, 141• • Complaints Committee• fire insurance in unlicensed exchanges,• • • duties, RIBA, 16392

• • • generally, RIBA, 15• licence

• • issuance of, 382, IAR 637/00, 2 • • council, RIBA, 6

1722

Index

• • • registration required, RIBA, 2REGISTERED INSURANCEBROKERS (cont’d) • • • • generally, RIBAR 991, 5–7.2• • • committees, establishment of, • • • • refusal of registration, RIBAR

RIBA, 12 991, 8• • • composition of, RIBAR 308/98 • • • restoration of registration or• • • executive, RIBA, 8 certificate, RIBA, 22(1)• • • immunity, 31 • • stop-orders, RIBA, 24• • Discipline Committee • • trust funds, RIBA, 32, RIBAR 991,

16–18• • • appeal to court, RIBA, 21• Registrar’s certificate as evidence, 30• • • duties, RIBA, 18• regulations, RIBA, 35• • • generally, RIBA, 17• restraining orders, RIBA, 23• • • proceedings before, RIBA, 19• Superintendent’s interest in, RIBA, 7• • • powers, RIBA, 18(5)• title, use of, RIBA, 3• • equity capitalization, RIBAR 991, 19• transitional provisions, RIBA, 36• • errors and omissions insurance

required, RIBAR 991, 20 • unlicensed insurer, placing insurancewith, RIBAR 991, 10• • fees, RIBAR 991, 12

REGULATIONS• • generally, RIBA, 4

• defined, 1• • membership

• under Insurance Act, 121• • • generally, RIBA, 5

• • • investigation of members, RIBA, REINSURANCE25

• amalgamation, effect of, 420(1)• • • • matters confidential, RIBA, 26

• application of Regulation, IAR 129/08,• • • mailing address, RIBA, 28, RIBAR 2

991, 24 • definitions, IAR 129/08, 1• • • position reports, RIBAR 991, 21 • fire insurance, 153• • • voting, 7 • maximum level of risk subject to• • misconduct, RIBAR 991, 15 reinsurance, IAR 129/08, 3• • • maximum fine, RIBAR 991, 22 • reciprocal insurance exchange, 388(2)• • Qualification and Registration • reinsurance by unlicensed insurers, 41,

Committee IAR 129/03, 4• • • appeal to court, RIBA, 21 • reinsurance not in ordinary course of

business, IAR 129/08, 5• • • decision, copies of, RIBAR 991,23 RELATED PARTY TRANSACTIONS

• • • falsification of certificates, RIBA, • approval of transaction not subject to33 Part XVII.1 of Act, criteria for, IAR

• • • hearing, RIBA, 20(3)–(6) 130/08, 2

• • • issuance of certificate, 13(1) • definitions, 437.12–437.14

• • • notice of proposal to refuse • determining if related party involved,registration, RIBA, 14 437.21

• • • referral to discipline, RIBA, 22(2) • exclusions, 435.15(2), IAR 130/08, 3(2)

1723

Ind

ex

Index

SPOUSERELATED PARTYTRANSACTIONS (cont’d) • defined, 1• indirect transaction rules, exception,

STATEMENTS, see also RECORDSIAR 130/08, 3AND RETURNS

• prescribed holding company, exemption,• annual and interim, 102IAR 130/08, (1)• financial• rules• • preparation of, 104• • contravention, 437.22• • published, 105• • directors, senior officers, transactions

with, 437.19, IAR 130/08, 8-10 • • where financial standing guaranteed,106• • exemptions, 437.20

• • permitted transactions, 437.18, IAR STATUTORY ACCIDENT BENEFITS130/08, 3(2), 4-7 • changes to Schedule

• • subsidiary’s transactions deemed to • • report to Assembly, 289be those of insurer, 437.17, IAR

• • review of Act, 289.1130/08, 3(1)• defined, 224(1)

RISK CLASSIFICATION SYSTEM• dispute resolution

• application, 410, IAR 664, 15• • arbitration, 281, 282

• • by affiliates, 414• • • appeal, 283

• • expedited, 411, IAR 664, 15.1• • • Director to review orders for unfair

• • other applications, 412 or deceptive business practices,• approval process 288

• • appeal, 412.1 • • • limitation period, 281.1

• • exemptions, 413 • • • variation of order, application for,284• • reconsideration, 415

• • • when arbitrator cannot act, 286• defined, 1• • generally, 279, IAR 664, 10–13, IAR• emergency vehicles, 417.0.1, see also

283/95EMERGENCY VEHICLES• • litigation, 281• policy statements by Minister, 413.1• • mediation, 280• prescribed elements, IAR 664, 14.1• • • limitation period, 281.1• prohibition, 417, IAR 664, 16• • neutral evaluation, 280.1• rate determination regulations and, 413.1• • procedure, 279• reports, 417.1• • protection of benefits, 287

S • • stated case, 285

• • who may represent, restrictions on,SALESPERSON284.1• defined, 1

• generally, 268SECURITY

• guidelines, 268.3• defined, 1

• immunity, 268.4SECURITY INTEREST • indemnification in certain cases, 275,• defined, 1 IAR 664, 9

1724

Index

• • temporary return to education, SABS,STATUTORY ACCIDENT17BENEFITS (cont’d)

• interpretation, rules of, 268.2 • • weekly benefits, SABS, 15• out-of-province insurers, 226.1 • examinations, cost of, SABS, 57• particulars of insurance, 269, 273 • exclusions, SABS, 58• payment into court, 271 • forms, SABS, 94• public transit vehicles, 268(1.1) • funeral benefits, SABS, 52• publication of indexation percentage, • housekeeping and home maintenance

268.1 expenses, SABS, 55• release, 274 • income calculations• rights of unnamed insured, 270 • • conversion of part-time to full-time

income, SABS, 86• settlements, IAR 664, 9.1–9.2• • income tax calculations, SABS, 85• winding-up orders, 268.0.1• • net weekly income formula, SABS,STATUTORY ACCIDENT

81BENEFITS — ACCIDENTS AFTER• • net weekly income tables, SABS, 82DECEMBER 31, 1993 AND BEFORE

NOVEMBER 1, 1996 • • self-employment• accidents in Quebec, SABS, 77 • • • income from, SABS, 83• application of Regulation, SABS, 88 • • • pre-determined income from,

SABS, 84• assignment of benefits, SABS, 90• • severance or termination pay, SABS,• attendant care benefits

87• • certificate, SABS, 48

• income replacement benefits• • designated assessment centres, SABS,

• • amount of benefit, SABS, 1049• • benefits after age 65, SABS, 12• • entitlement, SABS, 47• • employment• • examination, SABS, 50• • • responsibility to seek, SABS, 13• • payment, SABS, 50.1• • • temporary return to, SABS, 14• • transitional provisions, SABS, 50.2• • entitlement to, SABS, 7• automobiles, company and rental,

SABS, 91 • • gross annual income, SABS, 9

• caregiver benefits, SABS, 18 • • period of benefit, SABS, 8

• clothing, glasses, hearing aids, damage • • withdrawal from workforce, SABS,to, SABS, 56 11

• collateral benefits, deduction of, SABS, • indexation75 • • revision of monetary amounts, SABS,

• death benefits, SABS, 51 80

• definitions, SABS, 1–6 • • weekly benefits, SABS, 79

• dependant care expenses, SABS, 54 • loss of earning capacity benefits

• disability benefits, other, SABS, 19 • • amount of benefit

• education disability benefits • • • adjustment at age 65, SABS, 35

• • lump sum benefits, SABS, 16 • • • generally, SABS, 28

1725

Ind

ex

Index

• • mediationSTATUTORY ACCIDENT BENEFITS —ACCIDENTS AFTER DECEMBER 31, • • • assessment before, SABS, 71.11993 AND BEFORE NOVEMBER 1, • • • time limit for proceedings, SABS,1996 (cont’d) 72• • • mandatory review of, SABS, 33

• • notice and application for benefits,• • • • application of regulations, SABS, 59

SABS, 20.1 • • payment• • designated assessment centres, SABS, • • • generally, SABS, 67

38• • • method of, SABS, 89

• • deterioration in impairment, SABS,• • • overdue payments, interest on,34

SABS, 68• • entitlement to, SABS, 20

• • • prior approval of expenses, SABS,• • insurer’s offer, SABS, 21 69• • • agreement before offer, SABS, 24 • • • repayments to insurer, SABS, 70• • • examination before offer, SABS, • • • right to dispute refusal to pay,

25 SABS, 71• • • procedure if no agreement, SABS, • • weekly benefits

23 • • • certificate for, SABS, 60• • • response to offer, SABS, 22 • • • election of, SABS, 61• • pre-accident earning capacity, • • • payment of, SABS, 62

determination of, SABS, 29• rehabilitation benefits

• • residual earning capacity, • • certificate, SABS, 43determination of, SABS, 30

• • designated assessment centres, SABS,• • temporary supplement to, SABS, 32 44• • termination of other benefits, SABS, • • entitlement to benefits, SABS, 40

31• • examination, SABS, 45

• • transitional provisions, SABS, 27.1• • home modifications, SABS, 41

• medical benefits, supplementary• • payment

• • certificate, SABS, 37 • • • generally, SABS, 45.1• • designated assessment centres • • • maximum limit, SABS, 46• • • generally, SABS, 38 • • transitional provisions, SABS, 45.2• • entitlement to benefits, SABS, 36 • • vehicle modifications, SABS, 42• • examination, SABS, 39 • social assistance payments, SABS, 74• • payment • treatment and rehabilitation,

responsibility to obtain, SABS, 73• • • generally, SABS, 39.1• visitors’ expenses, SABS, 53• • • maximum limit, SABS, 46• weekly disability benefits, SABS, 19• • transitional provisions, SABS, 39.2• workers’ compensation benefits, SABS,• non-residents, payments to, SABS, 78

76• notice requirements, SABS, 93

• procedures for claiming benefits

• • examinations, SABS, 65

1726

Index

STATUTORY ACCIDENT BENEFITS • • temporary return to school or work,SCHEDULE — ACCIDENTS SABS94, 16BEFORE JAN. 1/94 • workers’ compensation benefits

• accidents in Quebec, SABS94, 18 • • effect of, SABS94, 20• care benefits • • interim payments, SABS94, 21• • exception, SABS94, 9

STATUTORY ACCIDENT BENEFITS• • generally, SABS94, 7 SCHEDULE — ACCIDENTS

ON/AFTER NOV. 1/96• clothing, glasses, hearing aids, damageto, SABS94, 8 • accidents outside Ontario, SABS96, 57

• death benefits, SABS94, 11 • application of benefits schedule,SABS96, 3• definitions, SABS94, 2–3

• assignment of benefits, SABS96, 65• duty to provide benefits, SABS94, 4–5

• attendant care benefit• forms, SABS94, 29

• • duration, SABS96, 18• funeral benefits, SABS94, 10

• • generally, SABS96, 16• medical benefits

• • maximum limits, SABS96, 19• • exception, SABS94, 9

• • procedures for claiming benefits,• • generally, SABS94, 6SABS96, 39• optional benefits, SABS94, 19

• automobiles, company and rental,• procedures for claiming benefitsSABS96, 66

• • certificate re cause and nature of• caregiver benefitinjury, SABS94, 23(1), (4)• • determination of continuing• • examination of insured, SABS94,

entitlement, 3723(2)–(4)• • election, SABS96, 36• • notice of claim, SABS94, 22• • generally, SABS96, 13• • payment• • procedures for claiming benefit,• • • generally, SABS94, 24

SABS 96, 35• • • refusal to pay, SABS94, 24(8)

• case manager services, SABS96, 17• • restriction on proceedings, SABS94,

• catastrophic impairment25• • determination of catastrophic• • repayments to insurer, SABS94, 27

impairment, SABS96, 40• • time limit, SABS94, 26

• • generally, SABS96, 2(1.1)–(3)• rehabilitation benefits

• clothing, glasses, hearing aids, damage• • exception, SABS94, 9 to, SABS96, 23• • generally, SABS94, 6 • death benefit• weekly benefits • • generally, SABS96, 25• • benefit if no income, SABS94, 13 • • procedures for claiming benefit,• • deductions, SABS94, 15 SABS96, 41

• • exclusions, SABS94, 17 • definitions, SABS96, 2

• • income benefits, SABS94, 12 • dependant care benefit, SABS96, 28

• • interim payments, SABS94, 14 • designated assessment centres

1727

Ind

ex

Index

• • employment, temporary return to,STATUTORY ACCIDENT BENEFITSSABS96, 11SCHEDULE — ACCIDENTS ON/AFTER

NOV. 1/96 (cont’d) • • entitlement arising after age 65,• • assessments, SABS96, 43 SABS96, 10

• • establishment of, SABS96, 52–52.2 • • gross income calculations, SABS96, 8

• • generally, SABS96, 53–54 • • payments, deductions from, SABS96,60• disability benefit, SABS96, 60

• • period of benefit, SABS, 5• employment, responsibility to seek,• • procedures for claiming benefit,SABS96, 56

SABS 96, 35• examinations by health practitioner, cost• indexation benefit, SABS96, 29of, SABS96, 24–24.1

• lost education expenses, SABS96, 20• exclusions, SABS96, 30• mediation proceedings, SABS96, 50–51• forms, SABS96, 69–69.1• medical benefit• funeral benefit• • duration, SABS96, 18• • generally, SABS96, 26• • generally, SABS96, 14• • procedures for claiming benefit,

SABS96, 41 • • maximum limits, SABS96, 19

• housekeeping and home maintenance • • procedures for claiming benefit,SABS96, 38–38.1• • determination of continuing

• non-earner benefitentitlement, 37

• • determination of continuing• • generally, SABS96, 40entitlement, 37• • procedures for claiming benefit,

• • election, SABS96, 36SABS 96, 35• • generally, SABS96, 12• income calculation• • payments, deductions from, SABS96,• • income from self-employment,

60SABS96, 62• • procedures for claiming benefit,• • income tax calculations, SABS96, 63

SABS 96, 35• • net weekly income formula, SABS96,

• notice requirements, SABS96, 6861• optional benefits• • severance or termination pay,

SABS96, 64 • • dependant care benefit, SABS96, 28

• • generally, SABS96, 27• • unreported income, SABS96, 64.1

• • indexation benefit, SABS96, 29• income replacement benefit

• payment• • adjustment after age 65, SABS96, 9• • explanation of, SABS96, 45• • amount of benefit, SABS96, 6–7• • method of, SABS96, 44–44.1• • collateral payments and maximum

amount of benefit, SABS96, 7 • • overdue, SABS96, 46

• • determination of continuing • • repayments to insurer, SABS96, 47entitlement, 37 • • right to dispute refusal to pay,

• • election, SABS96, 36 SABS96, 49

• • eligibility criteria, SABS96, 4 • procedures for claiming benefits

1728

Index

• • transitional rules, SABS96, 41.1STATUTORY ACCIDENT BENEFITSSCHEDULE — ACCIDENTS ON/AFTER • rehabilitation benefitNOV. 1/96 (cont’d) • • duration, SABS96, 18• • application for approval of

• • generally, SABS96, 15assessment or examination, SABS96,38.2 • • maximum limits, SABS96, 19

• • attendant care benefit, SABS96, 39 • • procedure for claiming benefit,SABS96, 38–38.1• • conflict of interest, SABS96, 38.3

• social assistance payments, SABS96, 58• • death or funeral benefit or otherexpenses, SABS96, 41 • substitute decision-makers, SABS96,

68.1• • definition, SABS96, 35

• termination of benefits for material• • denial of benefits, assessment ormisrepresentation, SABS96, 48examination after, SABS96, 42.1

• • designated assessments, SABS96, 43 • transitional provisions, SABS96,70–70.1• • determination of catastrophic

impairment, SABS96, 40 • treatment and rehabilitation,responsibility to obtain, SABS96, 55• • determination of continuing

entitlement, SABS96, 37 • visitors’ expenses, SABS96, 21• • duty of applicant to provide • workers’ compensation benefits,

information, SABS96, 33 SABS96, 59• • election, SABS96, 36 STATUTORY ACCIDENT BENEFITS• • examination required by insurer, SCHEDULE — SEPT. 1/10

SABS96, 42• accidents outside Ontario, SABS10, 59

• • mediation proceedings, SABS96,• application of benefits schedule,50–51

SABS10, 2• • medical benefit, SABS96, 38–38.1

• assignment of benefits, SABS10, 62• • notice and application for benefits,

• attendant care benefitSABS96, 32• • duration of, SABS10, 20• • payment• • generally, SABS10, 19• • • explanation of, SABS96, 45• • liability of insurer to pay, SABS10,• • • method of, SABS96, 44–44.1

14• • • overdue, SABS96, 46

• • maximum limits, SABS10, 19• • • repayments to insurer, SABS96, 47

• • procedures for claiming benefit,• • • right to dispute refusal to pay, SABS10, 42

SABS96, 49• caregiver benefit• • pre-approved framework guidelines,• • election, 35SABS96, 37.1–37.3• • generally, SABS10, 13• • pre-claim examination, SABS96, 32.1• • procedures for claiming benefit,• • rehabilitation benefit, SABS96,

SABS10, 36–3738–38.1

• case manager services, SABS10, 17• • termination of benefits for materialmisrepresentation, SABS96, 48 • catastrophic impairment, determination

• • time limits for claims, SABS96, 31 of, SABS10, 45

1729

Ind

ex

Index

• • procedures for claiming benefit,STATUTORY ACCIDENT BENEFITSSABS10, 36-37SCHEDULE — SEPT. 1/10 (cont’d)

• clothing, glasses, hearing aids, damage • mediation proceedingsto, SABS10, 24 • • generally, SABS10, 55

• death benefit• • time limit, SABS10, 56

• • generally, SABS10, 26• medical benefit

• • procedures for claiming benefit,• • duration of, SABS10, 20SABS10, 43• • generally, SABS10, 15• definitions, SABS10, 3, 4• • liability of insurer to pay, SABS10,• dependant care benefit, SABS10, 29

14• determination of continuing entitlement,

• • maximum limits, SABS10, 18SABS10, 36• • procedures for claiming benefit,• educational expenses, lost, SABS10, 21

SABS10, 38–39• • exclusion, SABS10, 31

• • • minor injury, procedures for,• employment, responsibility to seek, SABS10, 40-41

SABS10, 58• non-earner benefit

• examinations by health practitioner, cost• • election, SABS10, 35of, SABS10, 25• • exclusions, SABS10, 31• exclusions, SABS10, 31• • generally, SABS10, 18• forms, SABS10, 66–67• • procedures for claiming benefit,• funeral benefit

SABS10, 36–37• • generally, SABS10, 27• notice requirements, SABS10, 64• • procedures for claiming benefit,• optional benefitsSABS10, 43• • dependant care benefit, SABS10, 29• housekeeping and home maintenance• • generally, SABS10, 28• • exclusion, SABS10, 31

• • indexation benefit, SABS10, 30• • generally, SABS10, 23

• payment• • procedures for claiming benefit,SABS10, 36-37, 43 • • amounts payable under Guideline,

• income replacement benefits SABS10, 49

• • adjustment after age 65, SABS10, 8 • • deduction of collateral benefits,SABS10, 47• • amount of benefit weekly, SABS10, 7

• • explanation of, SABS10, 50• • definitions, SABS10, 4• • information by provider, SABS10,• • election, SABS10, 35

46.2• • eligibility, SABS10, 5• • method of, SABS10, 48• • employment, temporary return to,• • overdue, SABS10, 51SABS10, 11• • provider, defined, SABS10, 46.1• • entitlement arising on or after 65th

birthday, SABS10, 9 • • refusal to pay, right to dispute,SABS10, 54• • exclusions, SABS10, 31

• • repayments to insurer, SABS10, 52• • Human Rights Code, SABS10, 10

• • period of benefit, SABS10, 6 • procedures for claiming benefits

1730

Index

• Workplace Safety and Insurance Act,STATUTORY ACCIDENT BENEFITS1997, SABS10, 61SCHEDULE — SEPT. 1/10 (cont’d)

• • attendant care benefit, SABS10, 42 • visitors’ expenses• • caregiver benefit, SABS10, 36–37 • • exclusion, SABS10, 31

• • catastrophic impairment, SABS10, 45 • • generally, SABS10, 22

• • conflict of interest, SABS10, 46 STATUTORY CONDITIONS• • death benefit, SABS10, 43 • automobile insurance, 234, IAR 777/93,

Schedule• • duty of applicant to provideinformation, SABS10, 33 • • authority to drive, IAR 777/93,

Schedule, 4• • election, SABS10, 35• • benefits protected, IAR 777/93,• • examination required by insurer,

Schedule, 13SABS10, 44• • deductible amount, IAR 777/93,• • funeral benefit, SABS10, 43

Schedule, 10.1• • housekeeping and home maintenance,

• • incorrect classification of insured,SABS10, 36–37, 43IAR 777/93, Schedule 1, 2

• • medical benefit, SABS10, 38–39• • inspection of automobile, IAR

• • minor injury guideline, SABS10, 777/93, Schedule, 840–41

• • loss or damage to automobile, IAR• • non-earner benefits, SABS10, 36–37 777/93, Schedule, 6• • notice and application for benefits, • • loss or damage to persons or

SABS10, 32 property, IAR 777/93, Schedule, 5• • rehabilitation benefit, SABS10, 38–39 • • material change in risk, IAR 777/93,

Schedule, 1• • time limits, failure to comply with,SABS10, 34 • • monthly payments of premiums, IAR

777/93, Schedule, 3• rehabilitation benefit• • notice requirements, IAR 777/93,• • duration of, SABS10, 20

Schedule, 7, 12• • generally, SABS10, 16

• • payment of insurance money, IAR• • liability of insurer to pay, SABS10, 777/93, Schedule, 9

14• • proof of claim, IAR 777/93,

• • maximum limits, SABS10, 18 Schedule, 10• • procedures for claiming benefit, • • termination, IAR 777/93, Schedule,

SABS10, 38–39 11• • • minor injury, procedures for,

SUPERINTENDENTSABS10, 40-41• annual report, 36• social assistance payments, SABS10, 60• appeals from decision of, 17

• substitute decision-makers, SABS10, 65• decision of, 28

• termination of benefits for material• defined, 1misrepresentation, SABS10, 53• duty to furnish information to, 31• transitional provisions, SABS10, 68• examination of insurers, 32• treatment and rehabilitation,

responsibility to obtain, SABS10, 57 • exclusive jurisdiction, 20

1731

Ind

ex

Index

TRANSFERS, see AMALGAMATIONSSUPERINTENDENT (cont’d)AND TRANSFERS• inquiry, 29

• license, right to, determining, 27 TRIBUNAL• official documents as evidence, 26 • defined, 1• orders, 15 • exclusive jurisdiction, 20• power of, upon taking control of insurer,

U62(1)

• • application to court, 62(2) UNFAIR AND DECEPTIVE ACTSAND PRACTICES• • appointment of managers, 62(3)

• definitions, 438, IAR 7/00, 0.1–6• • rehabilitation of insurer, 62(5)• investigation by Superintendent, 440• • • expenses, 62(6)–(7)• • appeal, 441(10)• • relinquishing control, 62(4)• • hearing, 441(3)–(8)• practice and procedure before, 16• • notice, 441(2)• publication of list of licensed insurers,

25 • • order• records of, 23 • • • modification of, 441(9)• right of access, 30 • • • revocation of, 441(11)

• service of documents, 33-35 • • report, 441(1)

• Superintendent’s report, 58 • prohibition, 439

• • hearing, 58(4) UNINSURED AUTOMOBILECOVERAGE• • • request for hearing, 58(3)

• application of section, 265(9), IAR 676,• • • where no request, 58(5)Schedule, 1, 10–11• • interim order, 58(6)–(7)

• definitions, 265(2)• • notice to insurer, 58(2)• generally, 265• • powers of tribunal, 58(8)• liability and amount of damages,• • • appeal, 63(1)

determination of, IAR 676, Schedule, 1,• • • • documents to be filed, 63(3) 4• • • • further decision, 63(6) • limit on amount payable, IAR 676,

Schedule, 1, 9• • • • order, 63(5)• limitations, IAR 676, Schedule, 1, 8• • • • stay, 63(2)• limits and exclusions, IAR 676,• • when made, 58(1)

Schedule, 1, 2

• • exclusion from coverage, 265(3)–(4)T• medical examinations, IAR 676,TITLE INSURANCE

Schedule, 1, 7• limitation and condition, IAR 69/07, 1

• notice• requirements, 139(1)

• • legal action, IAR 676, Schedule, 1, 5• validity of title, 139(2)

• • proof of claim, IAR 676, Schedule, 1,TRAFFICKING 6

• in life insurance, 115 • payment into court, 271

1732

Index

• information folderUNINSURED AUTOMOBILECOVERAGE (cont’d) • • delivery, 110(5)• regulations, 265(5) • • form, 110(3)–(4)• release, 265(8) • • new folders, 110(6)• restriction on recovery, 265(7) • • prohibition orders, 110(7)• rights of unnamed insured, 270 • • • appeal, 110(8)• subrogation, 265(6) • • regulations regarding, 110(9)• unidentified automobiles, accidents • • requirement for, 110(2)

involving, IAR 676, Schedule, 1, 3• • time period for, IAR 132/97, 4

UNLICENSED INSURER • issued before July 1/97• acting for, prohibition against, 40(4) • • statement of insurer, IAR 677, 7• fire insurance with, 113 • unfair or deceptive acts, IAR 132/97,• reinsurance with, 41 5–9.1

UPON PROOF VOTING SHARE• defined, 1 • defined, 1

V

VARIABLE INSURANCE CONTRACT

• audited statements, IAR 132/97, 10

• definitions, 110(1), IAR 677, 1, IAR132/97, 1

• filings with Superintendent, IAR 132/97,2–3

• fundamental change, IAR 132/97, 9.1

1733

Ind

ex