Van attack victims have wider range of recourse options: insurance lawyers

The victims of a deadly van attack in Toronto have a wider range of options for recourse to deal with the fallout because it involved a motor vehicle under the province’s insurance system, lawyers say.

Car insurance is mandatory in Ontario and lawyers say the pedestrians who were hit and their families will first be able to access funds through the driver’s and rental agency’s insurance coverage and — if that is not available or enough — through their own motor vehicle policies.

Toronto-based insurance lawyer Eric Grossman said if the coverage of the vehicle driver or vehicle owner does not offer enough to cover victims’ needs, pedestrians who are hurt in a collision can make a claim against their personal auto insurance plans, if they have them.

Lawyers say regulations stipu- late that car insurance policies must offer a minimum of $200,000 of coverage in scenarios where the other party in the collision is not insured or underinsured, which applies whether the policyholder was in their own vehicle at the time of the incident or not.

Grossman said this means the victims could have more recourse and a deeper pool of funds from which to recover damages compared to mass-casualty attacks that do not involve a motor vehicle.

“Most mass casualty events don’t involve automobiles. And so, people are left with catastrophes on their hands... And there are no opportunities to recover for those damages with any regularity,” he said.

Ottawa- based lawyer David Contant said while the basic minimum coverage for underinsurance situations is $200,000, it can be higher if the victims’ insurance policies included added protection to upwards of $1 million.

On the afternoon of April 23, 10 people were killed and 16 were injured after a man in a rental van drove down the sidewalk along Yonge Street, running down pedestrians.

Alek Minassian, a 25-year-old Richmond Hill, Ont., man has been charged with 10 counts of first degree murder and 13 counts of attempted murder in the incident, with another three attempted murder charges expected.

There has been an outpouring of grief and donations in the wake of the attack and the #TorontoStrong fund established to help with the aftermath has raised more than $2 million, and counting. The fund, established by the City of Toronto, will support victims by covering costs and emergency expenses such as funeral expenses, trauma counselling and child care. Later, the fund will also support organizations and charities which can help with the broader, societal impacts of the attack, according to the Toronto Foundation.