A recent decision of the Court of Appeal of Alberta, Funk v. Wawanesa Mutual Insurance Company, 2018 ABCA 200, has restored certainty for both insurers and insureds in the scope of coverage under standard form automobile insurance policies. Dentons Canada LLP represented Wawanesa in this case. This note is based solely on facts in the public record of the Court.
Facts and the lower court decision
This decision arose out of an action on a SEF 44 Family Protection Endorsement (SEF 44). The Plaintiff, Mr. Funk, was injured in a single-vehicle rollover accident. While driving on a road at night, Mr.