In a recent case, Heartland Farm Mutual Inc. refused to pay over $1 million in optional insurance coverage to two people they insured after a serious car accident. Heartland denied the coverage because of a minor administrative error, which they should have known could occur given the circumstances, and later used to their advantage. Despite this, the License Appeal Tribunal (an Ontario tribunal that resolves disputes related to car insurance claims, license issues, and other regulated matters outside of the traditional court system), said it could not step in to provide an equitable remedy, allowing Heartland to benefit from its unfair handling of the claim.

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