Bill 125 explained in plain English
Innocent Persons Insurance Recovery Act, 2017
Ontario legislature bill summary, status, timeline, sponsor, votes, and official sources.
At a glance
Official Legislative Assembly of Ontario snapshot for 41st Parliament, 2nd Session. Representative vote breakdowns appear when the Assembly publishes an Ayes and Nays page for the bill.
Our plain-language take, written for civic education.
Source: By PoliticalData.ca
The Innocent Persons Insurance Recovery Act, 2017, amends the Insurance Act to protect innocent individuals from losing insurance coverage for property damage caused by others' criminal or intentional acts.
This bill, known as the Innocent Persons Insurance Recovery Act, 2017, amends the Insurance Act. It aims to ensure that innocent individuals can recover losses or damages to their property, even if these losses were caused by the criminal or intentional actions of another person. The amendments specify conditions under which exclusions in insurance contracts for such acts will only apply to the person who caused the loss or damage, or those who colluded with them, or those who consented to and knew about the act. It also allows for prescribed classes of persons and requirements to be defined. The Act came into force on the day it received Royal Assent.
- Amends the Insurance Act to introduce provisions for the recovery of losses or damages to property by innocent persons when such losses are caused by the criminal or intentional act or omission of another person.
- Specifies that insurance contract exclusions for loss or damage caused by criminal or intentional acts will only apply to the claimant who committed the act, abetted it, colluded in it, or consented to and knew about it.
- Allows for the regulation of certain classes of persons and requirements related to recovery under these new provisions.
- Establishes the short title of the Act as the Innocent Persons Insurance Recovery Act, 2017.
- Individuals who suffer loss or damage to their property.
- Insurers.
- Individuals whose criminal or intentional acts cause loss or damage to property.
- An innocent person may have the right to recover for property loss or damage even if caused by a criminal or intentional act of another, subject to specific conditions.
- An insurer's ability to exclude coverage for loss or damage caused by criminal or intentional acts is limited.
- Individuals whose coverage would be excluded but for the new provisions must comply with prescribed requirements.
- The Act came into force on the day it received Royal Assent.
- The bill allows for 'prescribed classes' of persons and 'prescribed requirements' to be defined through regulation, which are not detailed in the bill text itself.
- A person's recovery is limited to their proportionate interest in the lost or damaged property.
Adds a new section (118.1) that limits the application of exclusions in insurance contracts for loss or damage to property caused by the criminal or intentional acts of an insured or another person. It also amends subsection 121 (1) to allow for regulations regarding classes of persons and compliance requirements related to this new section.
Source: Section 1 and Section 2
Generated using AI from official bill text. Not legal advice. It is written by PoliticalData.ca for civic education, automatically checked and spot-reviewed before publishing.
Official textProcess Snapshot
Vote Summary
This bill is still active. We only show vote counts after the legislature publishes a recorded division.
No published representative vote breakdown
This bill is still moving through the process. When a recorded division is published, representative positions can be listed here.
Official sources
Status, sponsor, votes, and timeline on this page are drawn from these official legislative sources and public records. Each summary above is attributed to its own source.
How this data is sourced