CANADIAN CASES on the LAW of INSURANCE Fifth Series/Cinqui`Eme S´Erie Recueil De Jurisprudence En Droit Des Assurances
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CANADIAN CASES ON THE LAW OF INSURANCE Fifth Series/Cinqui`eme s´erie Recueil de jurisprudence en droit des assurances VOLUME 49 (Cited 49 C.C.L.I. (5th)) EDITOR-IN-CHIEF/REDACTEUR´ EN CHEF Won J. Kim, B.A., LL.B. Kim Orr Barristers P.C. Toronto, Ontario QUEBEC EDITOR/REDACTEUR´ POUR LE QUEBEC´ Jean-Fran¸cois Lamoureux, LL.L. Robinson Sheppard Shapiro Montr´eal, Qu´ebec CARSWELL EDITORIAL STAFF/REDACTION´ DE CARSWELL Cheryl L. McPherson, B.A.(HONS.) Director, Primary Content Operations Ken Murphy, B.A.(HONS), LL.B. Product Development Manager Nicole Ross, B.A., LL.B. Julia Fischer, B.A., LL.B. Supervisor, Legal Writing Supervisor, Legal Writing Mike MacInnes, B.A.(HONS.), LL.B. Stephanie Hanna, B.A.(HONS.), M.A., Lead Legal Writer LL.B. Senior Legal Writer Lisa Rao, B.SC., LL.B. 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Paper for Printed Library Materials, ANSI Z39.48-1984. ISSN 0824-2585 ISBN 978-0-7798-4245-2 Printed in Canada by Thomson Reuters CARSWELL, A DIVISION OF THOMSON REUTERS CANADA LIMITED One Corporate Plaza Customer Relations 2075 Kennedy Road Toronto 1-416-609-3800 Toronto, Ontario Elsewhere in Canada/U.S. 1-800-387-5164 M1T 3V4 Fax 1-416-298-5082 www.carswell.com Contact www.carswell.com/contact CANADIAN CASES ON THE LAW OF INSURANCE Fifth Series/Cinqui`eme s´erie Recueil de jurisprudence canadienne en droit des assurances [Indexed as: Felix v. Insurance Corp. of British Columbia] Marnetta Lynn Felix, Appellant (Plaintiff) and Insurance Corporation of British Columbia, Respondent (Defendant) British Columbia Court of Appeal Docket: Vancouver CA41588 2015 BCCA 394 Saunders, Bennett, Stromberg-Stein JJ.A. Heard: May 25, 2015 Judgment: September 23, 2015 Insurance –––– Automobile insurance — Extent of risk — Terms of art — “Ownership, use or operation” –––– Plaintiff was driving vehicle with boy- friend in front passenger seat — Boyfriend grabbed steering wheel, plaintiff lost control and vehicle left highway and came to rest overturned — Boyfriend was killed in accident — Plaintiff suffered significant injuries — Plaintiff brought action against boyfriend’s estate and was awarded damages of $791,950 as well as costs in amount of $71,292.63 — Plaintiff brought action to recover from in- surer total amount of $863,242.63, plus post-judgment interest — Action was dismissed — Plaintiff appealed — Appeal allowed — Given legislative history, scheme, factual context and jurisprudence, passenger was insured under Insur- ance (Vehicle) Act — Interpretation was consistent with legislative intent and other provisions of Act — Act indemnified insured for third-party liability when injury related to insured’s “use” of vehicle — “Use” was general enough to in- clude passenger passively using motor vehicle for transportation — Clear and unbroken chain of causation existed from passenger’s “use” of vehicle to plain- tiff’s injuries. Cases considered by Bennett J.A.: Amos v. Insurance Corp. of British Columbia (1995), [1995] 9 W.W.R. 305, 127 D.L.R. (4th) 618, 10 B.C.L.R. (3d) 1, [1995] I.L.R. 1-3232, 186 N.R. 150, 31 C.C.L.I. (2d) 1, 63 B.C.A.C. 1, 104 W.A.C. 1, 13 M.V.R. (3d) 302, 2 CANADIAN CASES ON THE LAW OF INSURANCE 49 C.C.L.I. (5th) [1995] 3 S.C.R. 405, 1995 CarswellBC 424, 1995 CarswellBC 1142, [1995] S.C.J. No. 74, EYB 1995-67067 (S.C.C.) — considered Cella (Litigation Guardian of) v. McLean (1997), 101 O.A.C. 76, 148 D.L.R. (4th) 514, 1997 CarswellOnt 2142, [1997] I.L.R. I-3465, 44 C.C.L.I. (2d) 214, 34 O.R. (3d) 327, 29 M.V.R. (3d) 292, [1997] O.J. No. 2439 (Ont. C.A.) — referred to Gravel v. St. Leonard (City) (1977), [1978] 1 S.C.R. 660, 17 N.R. 486, 1977 CarswellQue 51, 1977 CarswellQue 51F (S.C.C.) — considered Herbison v. Lumbermens Mutual Casualty Co. (2007), 2007 SCC 47, 2007 CarswellOnt 6628, 2007 CarswellOnt 6629, 53 C.C.L.I.