Background:

• The case centers on a dispute regarding which insurance company is responsible for covering accident benefits for Alyssia Lafontaine-Greenwood, a 17-year-old involved in a single-vehicle accident on July 21, 2017.
• Alyssia was entitled to benefits under the Statutory Accident Benefits Schedule (SABS).
• Three insurers were involved: Gore, Dominion, and Certas. Gore insured Alyssia's father, Dominion insured her mother, and Certas insured the driver of the vehicle.

Key Legal Question:

• Which insurer should pay the benefits? The answer hinges on determining Alyssia’s primary financial dependency:
  • If on her father → Gore is responsible.
  • If on her mother → Dominion is responsible.
  • If neither parent → Certas would be responsible.

Arbitration Decision:

• Arbitrator Densem found Alyssia equally financially dependent on both her parents, thus making Gore and Dominion jointly responsible.

Appeal:

• Both Gore and Dominion appealed, arguing the arbitrator made an error in assessing the facts and law.
• Certas supported the original arbitration decision.

Court’s Ruling:

• The appeal was dismissed. The court upheld the arbitrator's decision, noting it aligned with the Insurance Act’s remedial intent, which allows for joint financial dependency determinations.
• The court agreed that Alyssia's grandmother's financial support was irrelevant to the decision.
• No monetary award specified.

Next Steps:

• Parties were asked to submit written submissions on costs.