In regards of discovering a claim for the purpose of the limitation period, a plaintiff can rely on the contents of a motor vehicle accident report prepared by the police at the scene of the accident.
In Lingard v. Milne-McIsaac, the plaintiff acted reasonably by relying on a statement in such a report that the defendant was insured. It was reasonable for the plaintiff to assume that the police officer who completed the report asked the defendant for proof of insurance. The Court of Appeal held that the plaintiff had no reason to treat insurance coverage as a live issue until he became aware that the defendant may not have coverage.
