Just a quick update: I got a ruling from the adjuster / Ins. Co. and evidently my lawyer was right. He argues that the OAP1 Section 4.4 rule, "were driving an automobile while not authorized by law to drive;" is 'limited' by the previous 'rule' , "..Knew,or should reasonably have know...

mgonzo: Thanks for your explanation. I think by the time I am finished with this case I will be able to pass a bar exam on insurance law. When this accident occurred my wife's license had expired (unknowingly as she hadn't received a reminder notice from MTO) and the adjuster was of the opinion that...

Thanks for your message. A passenger in the car my wife hit has filed a personal injury claim. I haven't hired a lawyer yet and am just staying on top of what the ins. co. adjuster is doing. As far as I can see they go be the rules set out in the OAP1 document which seems to spell out in minute deta...

My wife had an auto accident back in May. It is gradually being dealt with by our insurance company ( by the broker actually). My question is about the legal power of the insurance code OAP1. Evidently this set of rules is the Ten Commandments for the insurance companies and the adjustors seem to ta...