Unlike a straightforward collision, defective parts claims frequently involve multiple theories and multiple parties—part manufacturers, distributors, installers, and sometimes maintenance providers. In Ontario, where vehicles routinely rack up mileage across commutes and commercial use, insurers often emphasize:
- prior service history (“it should have been caught”),
- timing (“the failure started later”),
- and causation (“the defect didn’t cause the harm”).
To counter those arguments, your case needs more than a description of what happened. You need a defect-to-incident connection supported by records that can survive scrutiny.


