SUPREME COURT OF CANADA
Citation: Zurich Insurance Co. v. Chubb Insurance Co. of Canada, 2015 SCC 19,  2 S.C.R. 134
Zurich Insurance Company
Chubb Insurance Company of Canada
Coram: Abella, Rothstein, Cromwell, Karakatsanis, Wagner, Gascon and Côté JJ.
Reasons for Judgment:
Zurich Insurance Co. v. Chubb Insurance Co. of Canada, 2015 SCC 19,  2 S.C.R. 134
Zurich Insurance Company Appellant
Chubb Insurance Company of Canada Respondent
Indexed as: Zurich Insurance Co. v. Chubb Insurance Co. of Canada
2015 SCC 19
File No.: 36002.
2015: April 17.
Present: Abella, Rothstein, Cromwell, Karakatsanis, Wagner, Gascon and Côté JJ.
on appeal from the court of appeal for ontario
Insurance — Automobile insurance — Statutory accident benefits scheme — Claimant having declined optional motor vehicle liability policy from insurance company upon renting vehicle subsequently injured in single-vehicle accident — Insurance company refusing to provide benefits available under statutory scheme — Nexus between insurer and claimant — Application judge correctly found that arbitrator erred in concluding that insurance company not an insurer for purposes of statutory scheme — Insurance Act, R.S.O. 1990, c. I.8, s. 268 — Disputes Between Insurers, O. Reg. 283/95.
APPEAL from a judgment of the Ontario Court of Appeal (Juriansz, Pepall and Pardu JJ.A.), 2014 ONCA 400, 120 O.R. (3d) 161, 319 O.A.C. 287, 379 D.L.R. (4th) 427, 65 M.V.R. (6th) 159, 34 C.C.L.I. (5th) 216,  I.L.R. I-5615,  O.J. No. 2330 (QL), 2014 CarswellOnt 6274 (WL Can.), setting aside the decision of Goldstein J., 2012 ONSC 6363, 15 C.C.L.I. (5th) 287,  I.L.R. I-5360,  O.J. No. 5336 (QL), 2012 CarswellOnt 14170 (WL Can.). Appeal allowed.
Eric K. Grossman, Michael Warfe and Kate M. MacLeod, for the appellant.
Eugene Meehan, Q.C., and George Kanellakos, for the respondent.
The following is the judgment delivered orally by
 The Court — We are of the view that the appeal should be allowed with costs for the reasons of Juriansz J.A.
Solicitors for the appellant: Zarek Taylor Grossman Hanrahan, Toronto.
Solicitors for the respondent: Supreme Advocacy, Ottawa; KBM Law, Toronto.