A couple who neglected to inform their insurer that their son had a G2 driver's licence has had their policy declared void after their son was involved in an accident and they were sued by an injured party.
Zalimoon Seetaram and Lakeram Sitaram held an insurance policy with Allstate Insurance Company of Canada since 2012. At that time, their son Avinash had obtained his G1 licence and was not a named insured on the policy.
Avinash, who lived with his parents throughout the period in question, then acquired his G2 licence. Allstate sent a renewal offer to Zalimoon and Lakeram in 2013, which they signed. Avinash was then involved in a car accident with Luigi Scelsi the next month. Both Avinash and Lakeram were advised by Scelsi of his intention to sue for damages because of the injuries Scelsi allegedly suffered in the accident. Scelsi’s counsel asked Avinash and Lakeram to provide the name of the insurer, and they then advised Allstate of the accident.