Answer to this question depends on whether your driver was authorized to operate a motor vehicle, as it is defined within the meaning of the Insurance Act, R.S.O. 1990, c. I.8. Scenario 1: Your driver was authorized to operate motor vehicle (had a valid driver's license, was not in breach of conditions of that license, if any, and was not too sick or/ and intoxicated)
While there is a strong policy against operating a motor vehicle without proper license, Ontario Auto Insurance regime still allows such drivers to access coverage for medical rehabilitation and attendant care. You will not however have access to income replacement benefits or non earner benefits, housekeeping and / or caregiving expenses (even if you have purchased additional coverage), lost educational expenses and even visitor expenses. In this case you will not be able to sue the at fault driver in tort.
Please do not make a mistake of applying for Life insurance if you believe you cannot disclose a part of your medical history or life style history. Its best to either consult with a lawyer re your particular situation before you apply or/ and consider other ways of securing financial future for your loved ones.
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