Ontario’s loss transfer scheme is found in section 275 of the Insurance Act. Section 275 (1) allows the insurer paying accident benefits to an insured, in certain situations, to claim “loss transfer” indemnification from the insurer of the other driver involved in the accident. At the risk of oversimplification, the insurer paying accident benefits to an occupant of a motorcycle would be able to claim loss transfer indemnification from the insurer of the car that collided with the motorcycle.
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