Ms. G v. Pilot Insurance Co., 2008

This is a matter where Mr. G and Pilot insurance went to hearing, appeal or Judicial Review on 9 separate occasions. This is one of the earliest, and most important, cases on catastrophic impairment and the scope of medical/ rehabilitation benefits in Ontario Auto Insurance Law. The case is the first F.S.C.O. decision that held Desbiens was good law and that physical and psychological impairments could properly be “stacked” for the purpose of determining catastrophic impairment. It is also the case that held that nanny services could properly be characterized as medical/rehabilitation benefits (and not just care gives benefits) in the proper circumstance.