{"id":30502,"date":"2016-07-23T18:57:57","date_gmt":"2016-07-23T18:57:57","guid":{"rendered":"https:\/\/wagners1.wpenginepowered.com\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/"},"modified":"2016-07-23T18:57:57","modified_gmt":"2016-07-23T18:57:57","slug":"malloy-v-intact-insurance-company-2019-nssc-131","status":"publish","type":"post","link":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/","title":{"rendered":"Malloy v Intact Insurance Company, 2019 NSSC 131"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In the case of <em>Malloy v. Intact Insurance<\/em>, the Plaintiff Ms. Malloy was being denied reimbursement for a medical procedure by the defendant Intact Insurance. As a result, the Plaintiff, started a legal action claiming improper denial of the benefits and breach of good faith. The issue before the court was whether Intact was required to provide policies, procedures, guidelines and other documents pertaining to how Intact handles accident benefit claims, as requested by the Plaintiff and her counsel. The court specifically defined the issue as \u201cwhether the pleadings contain specific allegations which would amount to bad faith on the part of Intact and to which the material sought is relevant?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A document is relevant if it has probative value regarding the claim. Ms. Malloy has claimed a breach of good faith, the test for which has been established to be if the denial of the claim was a result of \u201coverwhelmingly inadequate handling of the claim, or the introduction of improper considerations into the claims process.\u201d The plaintiff\u2019s lawyer argued that to establish bad faith, Intact\u2019s conduct in handling Ms. Malloy\u2019s claim must be compared to their policies and procedures, requiring disclosure of the requested documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The court found that despite the fact the statement of claim makes no direct claims in respect of internal policies and procedures, these documents would qualify as evidence as to whether Intact acted reasonably in handling Ms. Malloy\u2019s claim.\u00a0 Thus, Justice Campbell held that they should be disclosed to the Plaintiff. However, it is important to note that bald assertions of bad faith using boiler plate language and lacking any detail will not be enough to require disclosure of internal documents.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In the case of Malloy v. Intact Insurance, the Plaintiff Ms. Malloy was being denied reimbursement for a medical procedure [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[],"class_list":["post-30502","post","type-post","status-publish","format-standard","hentry","category-reported-decision"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Malloy v Intact Insurance Company, 2019 NSSC 131 - Wagners Personal Injury Lawyers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Malloy v Intact Insurance Company, 2019 NSSC 131 - Wagners Personal Injury Lawyers\" \/>\n<meta property=\"og:description\" content=\"In the case of Malloy v. Intact Insurance, the Plaintiff Ms. Malloy was being denied reimbursement for a medical procedure [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/\" \/>\n<meta property=\"og:site_name\" content=\"Wagners Personal Injury Lawyers\" \/>\n<meta property=\"article:published_time\" content=\"2016-07-23T18:57:57+00:00\" \/>\n<meta name=\"author\" content=\"Wagner&#039;s\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Wagner&#039;s\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/\"},\"author\":{\"name\":\"Wagner's\",\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/#\\\/schema\\\/person\\\/f138f6a9ab103410451b6f178f01c7ef\"},\"headline\":\"Malloy v Intact Insurance Company, 2019 NSSC 131\",\"datePublished\":\"2016-07-23T18:57:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/\"},\"wordCount\":288,\"commentCount\":0,\"articleSection\":[\"Reported Decision\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/\",\"url\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/\",\"name\":\"Malloy v Intact Insurance Company, 2019 NSSC 131 - Wagners Personal Injury Lawyers\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/#website\"},\"datePublished\":\"2016-07-23T18:57:57+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/#\\\/schema\\\/person\\\/f138f6a9ab103410451b6f178f01c7ef\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/malloy-v-intact-insurance-company-2019-nssc-131\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/wagners.co\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Malloy v Intact Insurance Company, 2019 NSSC 131\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/wagners.co\\\/fr\\\/\",\"name\":\"Wagners Personal Injury Lawyers\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/wagners.co\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/wagners.co\\\/fr\\\/#\\\/schema\\\/person\\\/f138f6a9ab103410451b6f178f01c7ef\",\"name\":\"Wagner's\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/61e7509ecf101bb74dbec0ee0997f4ffd7ea2d1ebddcd768c2b1e075f3e1b3cc?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/61e7509ecf101bb74dbec0ee0997f4ffd7ea2d1ebddcd768c2b1e075f3e1b3cc?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/61e7509ecf101bb74dbec0ee0997f4ffd7ea2d1ebddcd768c2b1e075f3e1b3cc?s=96&d=mm&r=g\",\"caption\":\"Wagner's\"},\"sameAs\":[\"https:\\\/\\\/wagners.co\"],\"url\":\"https:\\\/\\\/wagners.co\\\/fr\\\/blog\\\/author\\\/firstrank\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Malloy v Intact Insurance Company, 2019 NSSC 131 - Wagners Personal Injury Lawyers","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/","og_locale":"fr_FR","og_type":"article","og_title":"Malloy v Intact Insurance Company, 2019 NSSC 131 - Wagners Personal Injury Lawyers","og_description":"In the case of Malloy v. Intact Insurance, the Plaintiff Ms. Malloy was being denied reimbursement for a medical procedure [&hellip;]","og_url":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/","og_site_name":"Wagners Personal Injury Lawyers","article_published_time":"2016-07-23T18:57:57+00:00","author":"Wagner's","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Wagner's","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/#article","isPartOf":{"@id":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/"},"author":{"name":"Wagner's","@id":"https:\/\/wagners.co\/fr\/#\/schema\/person\/f138f6a9ab103410451b6f178f01c7ef"},"headline":"Malloy v Intact Insurance Company, 2019 NSSC 131","datePublished":"2016-07-23T18:57:57+00:00","mainEntityOfPage":{"@id":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/"},"wordCount":288,"commentCount":0,"articleSection":["Reported Decision"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/","url":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/","name":"Malloy v Intact Insurance Company, 2019 NSSC 131 - Wagners Personal Injury Lawyers","isPartOf":{"@id":"https:\/\/wagners.co\/fr\/#website"},"datePublished":"2016-07-23T18:57:57+00:00","author":{"@id":"https:\/\/wagners.co\/fr\/#\/schema\/person\/f138f6a9ab103410451b6f178f01c7ef"},"breadcrumb":{"@id":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/wagners.co\/fr\/blog\/malloy-v-intact-insurance-company-2019-nssc-131\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/wagners.co\/fr\/"},{"@type":"ListItem","position":2,"name":"Malloy v Intact Insurance Company, 2019 NSSC 131"}]},{"@type":"WebSite","@id":"https:\/\/wagners.co\/fr\/#website","url":"https:\/\/wagners.co\/fr\/","name":"Wagners Personal Injury Lawyers","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/wagners.co\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/wagners.co\/fr\/#\/schema\/person\/f138f6a9ab103410451b6f178f01c7ef","name":"Wagner's","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/61e7509ecf101bb74dbec0ee0997f4ffd7ea2d1ebddcd768c2b1e075f3e1b3cc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/61e7509ecf101bb74dbec0ee0997f4ffd7ea2d1ebddcd768c2b1e075f3e1b3cc?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/61e7509ecf101bb74dbec0ee0997f4ffd7ea2d1ebddcd768c2b1e075f3e1b3cc?s=96&d=mm&r=g","caption":"Wagner's"},"sameAs":["https:\/\/wagners.co"],"url":"https:\/\/wagners.co\/fr\/blog\/author\/firstrank\/"}]}},"_links":{"self":[{"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/posts\/30502","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/comments?post=30502"}],"version-history":[{"count":0,"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/posts\/30502\/revisions"}],"wp:attachment":[{"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/media?parent=30502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/categories?post=30502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wagners.co\/fr\/wp-json\/wp\/v2\/tags?post=30502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}