What is the test for determining whether an accident related injury is the cause of an applicant's disability?

Ontario, Canada


The following excerpt is from Monks v. ING Insurance Co. of Canada, 2005 CanLII 21689 (ON SC):

It is well settled law that the accident related injuries need not be the sole cause of an applicant’s disability they must be the principal or primary cause of her disability (Sarson v. Pilot Insurance Co., [1996] O.I.C.D. No. 202).

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