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		<lastmod>2022-12-05T18:18:25+00:00</lastmod>
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		<lastmod>2022-12-05T18:18:34+00:00</lastmod>
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		<lastmod>2022-12-05T18:18:47+00:00</lastmod>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/bonello-v-gores-landing-marina-ltd-april-6-2018/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gilbertson-v-aviva-insurance-canada-october-19-2016/</loc>
		<lastmod>2022-12-05T18:19:40+00:00</lastmod>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/michele-gilbertson-v-aviva-insurance-canada-december-21-2016/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/romanko-romanko-v-aviva-insurance-canada-april-18-2017/</loc>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/g-k-v-unifund-assurance-company-june-29-2017/</loc>
		<lastmod>2022-12-05T18:20:09+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/s-w-v-aviva-may-3-2018/</loc>
		<lastmod>2022-12-05T18:20:21+00:00</lastmod>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/lu-yao-li-v-aviva-december-10-2018/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/joseph-monaghan-vs-aviva-general-insurance-company-january-8-2019/</loc>
		<lastmod>2022-12-05T18:20:53+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/n-m-v-aviva-february-7-2019/</loc>
		<lastmod>2022-12-05T18:21:13+00:00</lastmod>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/peter-digrado-v-aviva-february-11-2019/</loc>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/n-m-v-aviva-april-5-2019/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/j-t-v-aviva-insurance-canada-may-6-2019/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-v-w-d-w-june-5-2019/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/g-f-v-aviva-insurance-company-june-9-2019/</loc>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/subanathini-muthulingam-v-aviva-insurance-canada-july-26-2019/</loc>
		<lastmod>2022-12-05T18:22:37+00:00</lastmod>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/n-d-v-unifund-assurance-company-october-16-2019/</loc>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/r-e-v-aviva-insurance-company-may-11-2020/</loc>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/v-o-vs-aviva-general-insurance-may-28-2020/</loc>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/m-h-v-aviva-general-insurance-june-9-2020/</loc>
		<lastmod>2022-12-05T18:23:57+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/b-r-v-aviva-general-insurance-august-27-2020/</loc>
		<lastmod>2022-12-05T18:24:13+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/watters-v-aviva-general-insurance-decision-september-22-2020/</loc>
		<lastmod>2022-12-05T18:24:37+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hastings-v-royal-sun-alliance-insurance-decision-january-22-2021/</loc>
		<lastmod>2022-12-05T18:24:46+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-general-insurance-company-v-ghandahari-decision-february-11-2021/</loc>
		<lastmod>2022-12-05T18:25:06+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rickards-v-aviva-general-insurance-reconsideration-decision-february-12-2021/</loc>
		<lastmod>2022-12-05T18:25:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/khamis-v-unifund-assurance-company-decision-february-22-2021/</loc>
		<lastmod>2022-12-05T18:25:39+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/dhanji-v-aviva-insurance-company-of-canada-decision-march-5-2021/</loc>
		<lastmod>2022-12-05T18:25:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/a-h-v-aviva-insurance-canada-decision-june-14-2021/</loc>
		<lastmod>2022-12-05T18:26:09+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/a-h-v-aviva-insurance-canada-reconsideration-decision-september-27-2021/</loc>
		<lastmod>2022-12-05T18:26:24+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ng-v-western-october-4-2021/</loc>
		<lastmod>2022-12-05T18:26:31+00:00</lastmod>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/davis-v-aviva-may-18-2022/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/marosszkey-v-larche-daybreak-173-a-c-w-s-3d-422-ontario-superior-court-december-17-2008/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ing-re-2011-carswellont-2768-ontario-review-board-april-11-2011/</loc>
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		<loc>https://kostyniukandgreenside.com/Reported%20Decision/r-v-morgan-2012-o-j-no-3569-ontario-court-of-justice-june-7-2012/</loc>
		<lastmod>2022-12-05T18:27:26+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/r-v-happy-2012-o-j-no-4635-ontario-court-of-justice-july-5-2012/</loc>
		<lastmod>2022-12-05T18:27:40+00:00</lastmod>
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	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/matusovski-v-security-national-insurance-co-2015-o-j-no-2052-ontario-superior-court-january-21-2015/</loc>
		<lastmod>2022-12-05T18:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/umana-v-royal-sunalliance-fsco-a-13-014423-february-23-2015/</loc>
		<lastmod>2022-12-05T18:28:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/subramaniyam-v-unifund-assurance-company-october-26-2016/</loc>
		<lastmod>2022-12-05T18:28:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/chambers-v-aviva-canada-inc-november-7-2016/</loc>
		<lastmod>2022-12-05T18:28:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/drupatee-jalsoor-v-aviva-insurance-canada-november-29-2016/</loc>
		<lastmod>2022-12-05T18:28:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/j-l-v-aviva-insurance-company-of-canada-october-25-2017/</loc>
		<lastmod>2022-12-05T18:28:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/j-d-l-v-aviva-insurance-company-of-canada-october-2-2018/</loc>
		<lastmod>2022-12-05T18:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/amy-wong-v-aviva-insurance-canada-december-17-2018/</loc>
		<lastmod>2022-12-05T18:29:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/b-a-v-unifund-assurance-company-january-7-2019/</loc>
		<lastmod>2022-12-05T18:29:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/y-a-v-aviva-insurance-company-january-17-2019/</loc>
		<lastmod>2022-12-05T18:29:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/a-y-v-aviva-insurance-company-may-31-2019/</loc>
		<lastmod>2022-12-05T18:29:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/s-k-v-aviva-insurance-company-october-29-2019/</loc>
		<lastmod>2022-12-05T18:29:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/dawnette-taylor-v-unifund-assurance-company-november-22-2021/</loc>
		<lastmod>2022-12-05T18:30:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/axa-insurance-company-v-royal-insurance-may-29-1997/</loc>
		<lastmod>2022-12-05T18:30:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/york-fire-casualty-insurance-company-and-royal-and-sunalliance-insurance-company-of-canada-october-5-2000/</loc>
		<lastmod>2022-12-05T18:30:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/dominion-of-canada-general-insurance-company-and-royal-and-sunalliance-insurance-company-of-canada-august-20-2001/</loc>
		<lastmod>2022-12-05T18:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/cgu-group-canada-ltd-and-canada-life-casualty-insurance-company-and-liberty-mutual-group-feb-2004/</loc>
		<lastmod>2022-12-05T18:31:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/primmum-insurance-company-and-royal-sunalliance-insurance-company-september-22-2004/</loc>
		<lastmod>2022-12-05T18:31:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/primmum-insurance-company-and-allstate-insurance-company-of-canada-september-15-2004/</loc>
		<lastmod>2022-12-05T18:31:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/allstate-insurance-company-of-canada-and-royal-sun-alliance-insurance-company-january-2006/</loc>
		<lastmod>2022-12-05T18:31:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/royal-and-sunalliance-insurance-company-and-kingsway-general-insurance-company-january-2007/</loc>
		<lastmod>2022-12-05T18:32:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/lombard-canada-limited-and-royal-and-sunalliance-insurance-company-and-the-motor-vehicle-accident-claims-fund-february-2007/</loc>
		<lastmod>2022-12-05T18:32:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/primmum-insurance-company-and-aviva-canada-inc-2008-carswell-ont-11427-march-24-2008/</loc>
		<lastmod>2022-12-05T18:32:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/lombard-canada-limited-applicant-royal-sunalliance-insurance-company-and-motor-vehicle-accident-claims-fund-respondents-december-19-2008/</loc>
		<lastmod>2022-12-05T18:32:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-insurance-company-of-canada-and-royal-and-sunalliance-insurance-company-of-canada-february-19-2009/</loc>
		<lastmod>2022-12-05T18:32:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/workplace-safety-and-insurance-appeals-tribunal-decision-no-1098-09-october-5-2009/</loc>
		<lastmod>2022-12-05T18:33:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/workplace-safety-and-insurance-appeals-tribunal-decision-no-822-10-june-11-2010/</loc>
		<lastmod>2022-12-05T18:33:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/workplace-safety-and-insurance-appeals-tribunal-decision-no-1317-10-august-19-2010/</loc>
		<lastmod>2022-12-05T18:33:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/jevco-insurance-company-and-royal-and-sunalliance-insurance-company-may-2011/</loc>
		<lastmod>2022-12-05T18:33:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/security-national-insurance-company-and-the-personal-insurance-company-certas-insurance-august-9-2011/</loc>
		<lastmod>2022-12-05T18:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hunter-v-richardson-august-16-2012/</loc>
		<lastmod>2022-12-05T18:34:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/td-general-insurance-company-and-intact-insurance-company-of-canada-september-18-2013/</loc>
		<lastmod>2022-12-05T18:34:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/york-fire-casualty-insurance-company-and-kingsway-general-insurance-company-january-15-2014/</loc>
		<lastmod>2022-12-05T18:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/belair-direct-insurance-company-of-canada-and-security-national-insurance-company-april-11-2014/</loc>
		<lastmod>2022-12-05T18:34:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/certas-direct-insurance-company-and-royal-sunalliance-insurance-company-of-canada-may-8-2014/</loc>
		<lastmod>2022-12-05T18:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/miguel-allen-and-security-national-insurance-co-monnex-insurance-mgmt-inc-february-3-2015/</loc>
		<lastmod>2022-12-05T18:35:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-assurance-company-and-td-meloche-monnex-july-14-2015/</loc>
		<lastmod>2022-12-05T18:35:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/jevco-insurance-company-and-td-general-insurance-company-primmum-insurance-company-october-16-2015/</loc>
		<lastmod>2022-12-05T18:35:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-insurance-company-and-economical-mutual-insurance-company-and-unifund-assurance-company-may-24-2016/</loc>
		<lastmod>2022-12-05T18:35:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/the-personal-insurance-company-and-unifund-assurance-company-and-ace-ina-insurance-company-june-3-2016/</loc>
		<lastmod>2022-12-05T18:36:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-insurance-company-and-economical-mutual-insurance-company-and-unifund-assurance-company-revised-costs-award-june-23-2016/</loc>
		<lastmod>2022-12-05T18:36:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/allen-and-security-national-insurance-co-monnex-insurance-mgmt-inc-july-6-2016/</loc>
		<lastmod>2022-12-05T18:36:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/colleen-comegna-and-aviva-canada-inc-february-21-2017/</loc>
		<lastmod>2022-12-05T18:36:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/royal-and-sunalliance-insurance-company-of-canada-and-desjardins-insurance-group-certas-direct-insurance-company-february-24-2017/</loc>
		<lastmod>2022-12-05T18:36:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-assurance-company-and-ace-ina-insurance-company-and-the-personal-insurance-group-june-20-2017/</loc>
		<lastmod>2022-12-05T18:37:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-assurance-company-v-zurich-insurance-company-september-11-2017/</loc>
		<lastmod>2022-12-05T18:37:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/economical-v-unifund-decision-re-preliminary-issue-by-kenneth-bialkowski-september-26-2017/</loc>
		<lastmod>2022-12-05T18:37:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/security-national-insurance-co-monex-inurance-mgmt-inc-v-miguel-allen-and-fsco-october-24-2017/</loc>
		<lastmod>2022-12-05T18:37:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-v-the-guarantee-arbitration-award-by-shari-novick-november-15-2017/</loc>
		<lastmod>2022-12-05T18:38:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/samantha-black-v-sn-decision-by-arbitrator-musson-november-15-2017/</loc>
		<lastmod>2022-12-05T18:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/cindee-milan-v-aviva-canada-inc-january-4-2018/</loc>
		<lastmod>2022-12-05T18:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rbc-general-insurance-company-v-td-meloche-monnex-january-5-2018/</loc>
		<lastmod>2022-12-05T18:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-v-intact-insurance-february-27-2018/</loc>
		<lastmod>2022-12-05T18:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/miguel-allen-v-security-national-insurance-co-monnex-insurance-mgmt-march-15-2018/</loc>
		<lastmod>2022-12-05T18:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/allstate-insurance-co-of-canada-v-royal-sun-alliance-march-28-2018/</loc>
		<lastmod>2022-12-05T18:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-v-travelers-insurance-dominion-of-canada-general-insurance-march-29-2018/</loc>
		<lastmod>2022-12-05T18:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rsa-insurance-v-desjardins-insurance-july-10-2018/</loc>
		<lastmod>2022-12-05T18:39:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/economical-mutual-insurance-v-unifund-assurance-company-july-16-2018/</loc>
		<lastmod>2022-12-05T18:39:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/economical-insurance-v-sn-insurance-rsa-insurance-july-16-2018/</loc>
		<lastmod>2022-12-05T18:40:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/north-waterloo-farmers-mutual-insurance-v-unifund-assurance-company-october-11-2018/</loc>
		<lastmod>2022-12-05T18:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-general-insurance-company-v-security-national-insurance-company-december-6-2018/</loc>
		<lastmod>2022-12-05T18:41:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rbc-general-insurance-v-td-meloche-monnex-december-17-2018/</loc>
		<lastmod>2022-12-05T18:41:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/pafco-insurance-company-and-wawanesa-mutual-insurance-company-western-assurance-company-december-21-2018/</loc>
		<lastmod>2022-12-05T18:41:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/cindee-milan-v-aviva-canada-february-7-2019/</loc>
		<lastmod>2022-12-05T18:41:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/state-farm-mutual-automobile-insurance-certas-home-auto-insurance-company-unifund-assurance-company-february-28-2019/</loc>
		<lastmod>2022-12-05T18:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rsa-dominion-of-canada-her-majesty-the-queen-represented-by-the-minister-of-finance-april-29-2019/</loc>
		<lastmod>2022-12-05T18:42:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ummugulsum-yatar-vs-td-insurance-april-29-2019/</loc>
		<lastmod>2022-12-05T18:42:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wawanesa-mutual-insurance-company-v-unifund-assurance-company-july-3-2019/</loc>
		<lastmod>2022-12-05T18:42:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/r-a-a-v-aviva-general-insurance-july-29-2019/</loc>
		<lastmod>2022-12-05T18:42:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-canada-v-colleen-comegna-august-6-2019/</loc>
		<lastmod>2022-12-05T18:42:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/cindee-milan-v-aviva-canada-august-16-2019/</loc>
		<lastmod>2022-12-05T18:43:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/scottish-york-insurance-group-v-belair-direct-insurance-company-october-1-2019/</loc>
		<lastmod>2022-12-05T18:43:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/scottish-york-insurance-company-v-belair-direct-insurance-company-nordic-insurance-company-and-zurich-insurance-company-october-1-2019/</loc>
		<lastmod>2022-12-05T18:43:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-assurance-company-v-desjardins-insurance-company-october-2-2019/</loc>
		<lastmod>2022-12-05T18:43:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wawanesa-mutual-insurance-company-v-ace-ina-insurance-company-state-farm-mutual-automobile-insurance-company-aviva-insurance-company-of-canada-aviva-general-insurance-company-td-home-january-8/</loc>
		<lastmod>2022-12-05T18:44:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-canada-inc-v-western-assurance-company-march-30-2020/</loc>
		<lastmod>2022-12-05T18:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/the-dominion-of-canada-general-insurance-company-v-aviva-insurance-company-and-state-farm-insurance-company-certas-home-auto-insurance-company-april-7-2020/</loc>
		<lastmod>2022-12-05T18:44:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-assurance-v-travelers-insurance-company-april-13-2020/</loc>
		<lastmod>2022-12-05T18:44:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ummugulsum-yatar-v-td-insurance-meloche-monnex-april-23-2020/</loc>
		<lastmod>2022-12-05T18:44:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-insurance-company-v-certas-direct-insurance-company-july-23-2020/</loc>
		<lastmod>2022-12-05T18:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-assurance-v-travelers-insurance-company-september-30-2020/</loc>
		<lastmod>2022-12-05T18:45:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/zurich-insurance-company-ltd-v-scottish-york-insurance-november-19-2020/</loc>
		<lastmod>2022-12-05T18:45:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/td-insurance-company-v-certas-home-auto-insurance-company-january-6-2021/</loc>
		<lastmod>2022-12-05T18:45:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/royal-sun-alliance-insurance-company-v-the-co-operators-general-insurance-company-february-5-2021/</loc>
		<lastmod>2022-12-05T18:45:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/yatar-v-td-insurance-meloche-monnex-april-21-2021/</loc>
		<lastmod>2022-12-05T18:46:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/montesano-v-western-assurance-company-june-24-2021/</loc>
		<lastmod>2022-12-05T18:46:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/scottish-york-v-zurich-decision-august-18-2021/</loc>
		<lastmod>2022-12-05T18:46:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/unifund-assurance-company-v-belair-direct-insurance-company-october-6-2021/</loc>
		<lastmod>2022-12-05T18:46:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/sivalingam-v-unifund-assurance-company-november-2-2021/</loc>
		<lastmod>2022-12-05T18:46:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/juliana-arhen-v-aviva-insurance-company-of-canada-december-6-2021/</loc>
		<lastmod>2022-12-05T18:47:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/abdi-v-td-general-insurance-company-december-6-2021/</loc>
		<lastmod>2022-12-05T18:47:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/meloche-monnex-insurance-v-wawanesa-mutual-insurance-company-december-27-2021/</loc>
		<lastmod>2022-12-05T18:47:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/coachman-insurance-company-v-intact-insurance-company-january-25-2022/</loc>
		<lastmod>2022-12-05T18:47:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hunt-v-royal-insurance-co-of-canada-october-15-1992/</loc>
		<lastmod>2022-12-05T18:48:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/richardson-v-royal-insurance-co-of-canada-november-3-1992/</loc>
		<lastmod>2022-12-05T18:48:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/banerjee-v-royal-insurance-co-of-canada-february-11-1993/</loc>
		<lastmod>2022-12-05T18:48:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/crnkovic-v-simcoe-and-erie-general-insurance-co-april-8-1993/</loc>
		<lastmod>2022-12-05T18:48:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/parisien-v-royal-insurance-co-of-canada-may-26-1993/</loc>
		<lastmod>2022-12-05T18:48:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/macneill-v-royal-insurance-co-of-canada-january-10-1994/</loc>
		<lastmod>2022-12-05T18:49:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/buffa-v-gauvin-may-30-1994/</loc>
		<lastmod>2022-12-05T18:49:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hanna-v-royal-insurance-co-of-canada-december-2-1994/</loc>
		<lastmod>2022-12-05T18:49:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/cahill-v-western-assurance-co-december-12-1994/</loc>
		<lastmod>2022-12-05T18:49:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/talany-v-royal-insurance-co-of-canada-may-3-1995/</loc>
		<lastmod>2022-12-05T18:49:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/granchelli-v-royal-insurance-co-of-canada-october-4-1995/</loc>
		<lastmod>2022-12-05T18:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gallo-v-royal-insurance-co-of-canada-december-4-1995/</loc>
		<lastmod>2022-12-05T18:50:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wigle-v-royal-insurance-co-of-canada-january-12-1996/</loc>
		<lastmod>2022-12-05T18:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/towsley-v-royal-insurance-co-of-canada-february-16-1996/</loc>
		<lastmod>2022-12-05T18:50:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ironside-v-royal-insurance-co-of-canada-january-19-1999/</loc>
		<lastmod>2022-12-05T18:51:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wupori-v-western-assurance-co-january-25-1999/</loc>
		<lastmod>2022-12-05T18:51:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/royal-insurance-co-of-canada-v-ironside-november-30-1999/</loc>
		<lastmod>2022-12-05T18:51:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/singh-v-state-farm-mutual-automobile-insurance-co-july-7-2000/</loc>
		<lastmod>2022-12-05T18:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/b-a-v-royal-insurance-co-of-canada-september-18-2000/</loc>
		<lastmod>2022-12-05T18:52:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/royal-and-sunalliance-insurance-co-of-canada-v-di-pietro-june-8-2005/</loc>
		<lastmod>2022-12-05T18:52:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/mclean-litigation-guardian-of-v-jorgenson-december-6-2005/</loc>
		<lastmod>2022-12-05T18:52:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/chun-v-primmum-insurance-co-september-25-2007/</loc>
		<lastmod>2022-12-05T18:52:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/goodridge-litigation-guardian-of-v-king-october-30-2007/</loc>
		<lastmod>2022-12-05T18:53:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/vandyk-v-state-farm-mutual-automobile-insurance-co-december-28-2007/</loc>
		<lastmod>2022-12-05T18:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/yae-v-royal-and-sunalliance-insurance-co-of-canada-february-12-2009/</loc>
		<lastmod>2022-12-05T18:54:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/forbes-v-royal-and-sunalliance-insurance-co-of-canada-september-11-2009/</loc>
		<lastmod>2022-12-05T18:54:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/blier-v-royal-and-sunalliance-insurance-co-of-canada-june-29-2010/</loc>
		<lastmod>2022-12-05T18:54:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/volante-v-royal-and-sunalliance-insurance-co-of-canada-september-23-2010/</loc>
		<lastmod>2022-12-05T18:54:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ahmed-v-royal-and-sunalliance-insurance-co-of-canada-january-13-2011/</loc>
		<lastmod>2022-12-05T18:55:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/niemi-v-western-assurance-co-february-10-2011/</loc>
		<lastmod>2022-12-05T18:55:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/carr-v-td-general-insurance-co-march-10-2011/</loc>
		<lastmod>2022-12-05T18:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gardner-litigation-guardian-of-v-hann-march-30-2012/</loc>
		<lastmod>2022-12-05T18:55:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/demers-v-br-davidson-mining-and-development-ltd-june-7-2012/</loc>
		<lastmod>2022-12-05T18:55:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/mallory-v-werkmann-estate-february-2-2015/</loc>
		<lastmod>2022-12-05T18:56:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/heinecke-v-td-general-insurance-co-october-26-2015/</loc>
		<lastmod>2022-12-05T18:56:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/tchertok-v-royal-sunalliance-insurance-company-of-canada-october-17-2016/</loc>
		<lastmod>2022-12-05T18:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/bosnali-v-michaud-central-graphics-and-container-group-ltd-june-26-2017/</loc>
		<lastmod>2022-12-05T18:56:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/bosnali-v-michaud-central-graphics-and-container-group-ltd-april-23-2019/</loc>
		<lastmod>2022-12-05T18:57:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/huseyin-ok-v-aviva-general-insurance-april-1-2020/</loc>
		<lastmod>2022-12-05T18:57:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/jones-v-edwards-september-21-2020/</loc>
		<lastmod>2022-12-05T18:57:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/saima-hina-v-aviva-general-insurance-company-january-19-2022/</loc>
		<lastmod>2022-12-05T18:57:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gill-v-aviva-general-insurance-august-10-2022/</loc>
		<lastmod>2022-12-05T18:58:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hibbert-v-aviva-general-insurance-october-18-2022/</loc>
		<lastmod>2022-12-16T19:34:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/broome-v-western-assurance-march-15-2023/</loc>
		<lastmod>2023-03-15T15:37:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rosoli-v-aviva-general-insurance-december-1-2022/</loc>
		<lastmod>2023-03-16T11:59:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rahnema-v-unifund-assurance-company-decision-june-24-2021/</loc>
		<lastmod>2023-03-17T14:58:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/andrea-steele-v-aviva-general-insurance-january-13-2023/</loc>
		<lastmod>2023-03-17T15:12:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/applicant-v-royal-sun-alliance-july-16-2018/</loc>
		<lastmod>2023-03-17T15:18:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/applicant-v-royal-sun-alliance-june-30-2017/</loc>
		<lastmod>2023-03-17T15:19:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/balagowry-sivarajah-v-unifund-assurance-company-august-17-2022/</loc>
		<lastmod>2023-03-17T15:20:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/chris-delagrammatikas-v-aviva-general-insurance-january-22-2021/</loc>
		<lastmod>2023-03-17T15:23:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/carly-basian-v-aviva-general-insurance-company-february-7-2023/</loc>
		<lastmod>2023-04-10T11:00:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/f-c-v-aviva-general-insurance-april-7-2022/</loc>
		<lastmod>2023-03-17T15:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/f-c-v-aviva-general-insurance-april-27-2021/</loc>
		<lastmod>2023-03-17T15:30:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/g-f-v-aviva-insurance-canada-august-28-2020/</loc>
		<lastmod>2023-03-17T15:31:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/g-f-v-aviva-insurance-canada-june-9-2020/</loc>
		<lastmod>2023-03-17T15:32:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/julie-ellyn-harland-bettany-v-aviva-insurance-canada-august-24-2022/</loc>
		<lastmod>2023-03-17T15:34:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/kailash-bagla-v-td-insurance-meloche-monnex-april-20-2022/</loc>
		<lastmod>2023-03-17T15:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/n-d-v-unifund-assurance-company-february-19-2019/</loc>
		<lastmod>2023-03-17T15:35:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/nelia-de-melo-v-unifund-assurance-company-august-18-2022/</loc>
		<lastmod>2023-03-17T15:42:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/p-p-v-portage-la-prairie-mutual-insurance-company-august-19-2019/</loc>
		<lastmod>2023-03-17T15:46:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/s-r-r-v-unifund-assurance-company-january-9-2020/</loc>
		<lastmod>2023-03-17T15:47:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/s-s-r-v-unifund-assurance-company-june-25-2019/</loc>
		<lastmod>2023-03-17T15:48:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/s-v-v-aviva-insurance-canada-june-1-2020-2/</loc>
		<lastmod>2023-03-17T15:49:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/s-w-v-aviva-insurance-company-february-3-2021/</loc>
		<lastmod>2023-03-17T15:49:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/the-applicant-v-portage-la-prairie-mutal-insurance-company-october-29-2018/</loc>
		<lastmod>2023-03-17T15:50:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/yan-gao-v-aviva-insurance-canada-december-16-2022/</loc>
		<lastmod>2023-03-17T15:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/z-s-v-aviva-insurance-canada-june-18-2018/</loc>
		<lastmod>2023-03-17T15:51:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/zdeno-syrovy-v-aviva-insurance-company-january-8-2021/</loc>
		<lastmod>2023-03-17T15:52:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/a-l-v-aviva-insurance-canada-november-26-2019/</loc>
		<lastmod>2023-03-17T15:58:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hv-v-unifund-assurance-company-august-6-2019/</loc>
		<lastmod>2023-03-17T15:58:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/batuzskin-v-td-general-insurance-company-november-24-2014-2/</loc>
		<lastmod>2023-03-17T16:00:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/kt-v-aviva-january-21-2019/</loc>
		<lastmod>2023-03-17T16:01:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/edwin-tumblod-v-aviva-general-insurance-company-june-14-2022/</loc>
		<lastmod>2023-03-22T13:41:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/garth-wilmot-v-aviva-insurance-company-of-canada-december-5-2022/</loc>
		<lastmod>2023-03-22T13:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/jennings-v-logovic-june-21-2022/</loc>
		<lastmod>2023-03-22T13:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/lenny-katioska-chavez-v-aviva-preliminary-decision-january-17-2023/</loc>
		<lastmod>2023-03-23T15:09:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/jadyn-richards-ross-v-unifund-december-19-2022/</loc>
		<lastmod>2023-03-23T15:09:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/lin-v-aviva-february-15-2023/</loc>
		<lastmod>2023-04-17T12:49:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/andreano-tomassi-v-unifund-assurance-company-february-15-2023/</loc>
		<lastmod>2023-04-17T12:52:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/harding-v-aviva-general-insurance-february-8-2023/</loc>
		<lastmod>2023-04-17T13:02:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/nathaluxmy-nagarajah-v-td-insurance-company-october-26-2022/</loc>
		<lastmod>2023-04-17T19:41:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ummugulsum-yatar-v-td-insurance-meloche-monnex-february-28-2022/</loc>
		<lastmod>2023-04-17T19:42:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/ummugulsum-yatar-v-td-insurance-meloche-monnex-june-7-2022/</loc>
		<lastmod>2023-04-17T19:43:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/pafco-insurance-company-v-wawanesa-mutual-insurance-company-et-al-november-8-2022/</loc>
		<lastmod>2023-04-17T19:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hilded-abdi-v-td-general-insurance-company-february-16-2022/</loc>
		<lastmod>2023-04-17T19:45:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/shah-mohammed-v-aviva-general-insurance-september-15-2022/</loc>
		<lastmod>2023-05-10T11:58:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/maharaj-v-aviva-insurance-canada-september-13-2021/</loc>
		<lastmod>2023-05-10T11:59:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gabriel-takang-v-aviva-general-insurance-canada-june-29-2022/</loc>
		<lastmod>2023-05-10T12:00:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rajwinder-grewal-v-aviva-general-insurance-march-14-2023/</loc>
		<lastmod>2023-05-12T12:49:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/workplace-safety-and-insurance-appeals-tribunal-decision-no-402-23-march-27-2023/</loc>
		<lastmod>2023-05-26T12:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/jennifer-broome-v-western-assurance-company-august-12-2022/</loc>
		<lastmod>2023-05-29T13:20:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rocco-boni-v-caa-insurance-company-february-27-2023/</loc>
		<lastmod>2023-06-02T14:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/awais-ahmad-v-aviva-general-insurance-company-april-11-2023/</loc>
		<lastmod>2023-06-09T17:29:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/phoulis-efthyvoulou-v-aviva-general-insurance-company-april-17-2023/</loc>
		<lastmod>2023-06-16T19:08:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/savannah-gallimore-v-aviva-general-insurance-april-23-2023/</loc>
		<lastmod>2023-06-23T15:58:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/brian-persaud-v-unifund-assurance-company-february-6-2023/</loc>
		<lastmod>2023-06-23T15:59:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/milad-el-dayeh-v-aviva-general-insurance-may-1-2023/</loc>
		<lastmod>2023-06-30T12:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/andy-francis-v-aviva-insurance-company-of-canada-may-9-2023/</loc>
		<lastmod>2023-07-07T17:27:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wa-fung-lin-v-aviva-general-insurance-company-march-14-2023/</loc>
		<lastmod>2023-07-07T17:28:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/michelle-chandler-v-coachman-insurance-company-june-15-2023/</loc>
		<lastmod>2023-08-16T19:57:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/diana-alfajora-v-aviva-general-insurance-june-28-2023/</loc>
		<lastmod>2023-08-30T18:18:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/kerthana-ramesh-v-aviva-general-insurance-june-20-2023/</loc>
		<lastmod>2023-09-18T14:41:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aleksandra-vald-v-aviva-general-insurance-company-june-21-2023/</loc>
		<lastmod>2023-10-19T18:07:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/jamela-adam-v-aviva-insurance-company-may-25-2023/</loc>
		<lastmod>2023-10-19T18:07:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/emelia-osei-v-aviva-insurance-company-august-24-2023/</loc>
		<lastmod>2023-10-25T16:45:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/novick-v-rsa-june-22-2023/</loc>
		<lastmod>2023-11-09T19:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/bercal-v-aviva-insurance-company-june-27-2023/</loc>
		<lastmod>2023-11-09T19:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/javier-v-aviva-general-insurance-company-july-4-2023/</loc>
		<lastmod>2023-11-09T19:42:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rahnema-v-unifund-august-25-2023/</loc>
		<lastmod>2023-11-09T19:43:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/nano-v-coachman-insurance-company-may-19-2023/</loc>
		<lastmod>2023-11-09T19:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-insurance-canada-v-harland-bettany-june-7-2023/</loc>
		<lastmod>2023-11-09T19:44:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/anthony-v-aviva-general-insurance-company-september-13-2023/</loc>
		<lastmod>2023-11-13T20:43:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/schindelheim-v-td-general-insurance-company-september-15-2023/</loc>
		<lastmod>2023-11-14T20:11:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/adams-v-aviva-insurance-company-of-canada-may-31-2023/</loc>
		<lastmod>2023-12-19T14:07:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/adams-v-aviva-insurance-company-january-27-2023/</loc>
		<lastmod>2023-12-19T14:09:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/el-dayeh-v-aviva-general-insurance-november-1-2023/</loc>
		<lastmod>2024-01-02T15:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/deqo-ali-wehelie-v-aviva-general-insurance-company-october-31-2023/</loc>
		<lastmod>2024-01-02T15:24:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/castellon-mendez-v-unifund-assurance-company-october-17-2023/</loc>
		<lastmod>2024-05-13T19:58:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/awan-v-aviva-general-insurance-december-6-2023/</loc>
		<lastmod>2024-05-13T20:04:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/williamson-v-aviva-insurance-company-of-canada-march-19-2024/</loc>
		<lastmod>2024-05-13T20:04:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/holness-v-aviva-general-insurance-april-4-2024/</loc>
		<lastmod>2024-07-10T16:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/schmolinski-v-caa-insurance-company-february-6-2024/</loc>
		<lastmod>2024-07-10T16:28:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/forbes-v-rsa-insurance-january-17-2024/</loc>
		<lastmod>2024-07-10T16:29:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/chen-v-aviva-insurance-canada-may-9-2024/</loc>
		<lastmod>2024-07-10T16:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/oneil-vs-aviva-general-insurance-may-28-2024/</loc>
		<lastmod>2024-07-10T16:46:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/davis-v-aviva-general-insurance-may-31-2024/</loc>
		<lastmod>2024-07-10T16:47:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/areola-v-aviva-insurance-company-of-canada-june-12-2024/</loc>
		<lastmod>2024-07-10T16:48:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/yanovych-v-aviva-insurance-company-mar-13-2024/</loc>
		<lastmod>2024-07-10T18:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/singh-v-aviva-insurance-company-feb-26-2024/</loc>
		<lastmod>2024-07-10T18:36:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/dela-rosa-v-unifund-jan-18-2024/</loc>
		<lastmod>2024-07-10T18:36:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/schindeheim-v-td-general-insurance-company-dec-22-2023/</loc>
		<lastmod>2024-07-10T18:37:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/singh-v-aviva-general-insurance-company-dec-13-2023/</loc>
		<lastmod>2024-07-10T18:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/bartlett-v-rsa-insurance-company-nov-13-2023/</loc>
		<lastmod>2024-07-10T18:38:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/stirrett-v-cheema-august-9-2018/</loc>
		<lastmod>2024-08-07T16:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gallo-v-bramalea-city-centre-equities-inc-march-4-2019/</loc>
		<lastmod>2024-08-07T16:22:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wsiat-decision-july-23-2024/</loc>
		<lastmod>2024-08-13T14:51:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/endorsement-mohamed-v-hossein-et-al-july-9-2024/</loc>
		<lastmod>2024-08-21T18:01:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gill-v-aviva-general-insurance-company-february-14-2024/</loc>
		<lastmod>2024-09-18T13:15:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hass-v-td-general-insurance-company-september-27-2024/</loc>
		<lastmod>2024-09-27T15:14:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wais-v-coachman-insurance-company-october-18-2024/</loc>
		<lastmod>2024-11-04T21:02:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/wilmot-v-aviva-insurance-company-of-canada-aug-28-2024/</loc>
		<lastmod>2024-11-07T17:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/mcintosh-v-aviva-insurance-canada-oct-11-2024/</loc>
		<lastmod>2024-11-07T17:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gonzalez-v-unifund-assurance-company-sept-12-2024/</loc>
		<lastmod>2024-11-07T17:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/kumar-v-aviva-general-insurance-company-october-28-2024/</loc>
		<lastmod>2024-12-03T15:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/cadden-v-aviva-insurance-company-of-canada-january-13-2025/</loc>
		<lastmod>2025-01-29T17:08:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/marrello-v-aviva-general-insurance-company-january-31-2025/</loc>
		<lastmod>2025-01-31T20:19:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/raad-v-td-general-insurance-company-nov-5-2024/</loc>
		<lastmod>2025-02-07T15:44:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/alfajora-v-aviva-insurance-company-december-2-2024/</loc>
		<lastmod>2025-02-07T17:20:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/clarke-v-aviva-insurance-company-of-canada-december-2-2024/</loc>
		<lastmod>2025-02-07T17:25:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/egal-v-aviva-general-insurance-company-december-11-2024-2/</loc>
		<lastmod>2025-02-12T16:02:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/nguyen-vs-td-general-insurance-company-march-28-2025/</loc>
		<lastmod>2025-04-21T15:59:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/kumar-v-aviva-general-insurance-february-21-2025/</loc>
		<lastmod>2025-04-21T18:59:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/beecher-v-td-general-insurance-company-august-8-2024/</loc>
		<lastmod>2025-04-23T13:55:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/bowen-v-aviva-insurance-company-september-13-2024/</loc>
		<lastmod>2025-04-23T14:17:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/yatar-v-td-insurance-october-21-2024/</loc>
		<lastmod>2025-04-23T14:21:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/bergstrom-v-td-general-insurance-company-november-5-2024/</loc>
		<lastmod>2025-04-23T14:26:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/selvarajah-v-unifund-assurance-company-november-14-2024/</loc>
		<lastmod>2025-04-23T14:32:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/yao-v-aviva-insurance-canada-november-21-2024/</loc>
		<lastmod>2025-04-23T14:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/thomas-v-security-national-insurance-company-december-10-2024/</loc>
		<lastmod>2025-04-23T14:35:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/arnott-v-aviva-general-insurance-december-11-2024/</loc>
		<lastmod>2025-04-23T14:37:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/rai-v-aviva-general-insurance-january-20-2025/</loc>
		<lastmod>2025-04-23T14:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/arcuri-v-aviva-general-insurance-february-25-2025/</loc>
		<lastmod>2025-04-23T14:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/subasic-v-aviva-general-insurance-may-23-2025/</loc>
		<lastmod>2025-05-23T18:48:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/savirian-vs-aviva-general-insurance-may-8-2025/</loc>
		<lastmod>2025-07-14T08:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/barr-v-caa-insurance-company-may-14-2025/</loc>
		<lastmod>2025-07-14T13:05:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/addai-v-parkinson-november-4-2024/</loc>
		<lastmod>2025-08-01T14:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/matende-v-caa-insurance-company-august-8-2024/</loc>
		<lastmod>2025-08-01T14:55:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/kaur-v-td-general-insurance-company-july-18-2024/</loc>
		<lastmod>2025-08-01T15:06:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hsieh-v-security-national-insurance-company-july-24-2025/</loc>
		<lastmod>2025-08-01T18:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/dietrich-v-caa-insurance-company-january-28-2025/</loc>
		<lastmod>2025-08-20T14:03:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/dietrich-v-caa-insurance-company-april-25-2025/</loc>
		<lastmod>2025-08-20T14:06:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hui-v-aviva-general-insurance-company-july-23-2025/</loc>
		<lastmod>2025-10-02T14:48:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/vadivel-v-aviva-general-insurance-company-november-12-2025/</loc>
		<lastmod>2025-11-13T14:49:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/park-v-aviva-general-insurance-company-april-8-2025/</loc>
		<lastmod>2025-12-12T16:03:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/hankin-v-aviva-insurance-canada-may-6-2025/</loc>
		<lastmod>2025-12-12T16:07:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-general-insurance-company-v-maharaj-may-9-2025/</loc>
		<lastmod>2025-12-12T16:09:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/gao-v-aviva-insurance-company-of-canada-june-10-2025/</loc>
		<lastmod>2025-12-12T16:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/applicant-v-aviva-insurance-company-june-18-2025/</loc>
		<lastmod>2025-12-12T17:20:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/agyapong-v-aviva-insurance-canada-june-27-2025/</loc>
		<lastmod>2025-12-12T17:21:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/schindelheim-v-td-general-insurance-company-july-4-2025/</loc>
		<lastmod>2025-12-12T17:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/security-national-insurance-company-v-anderson-august-6-2025/</loc>
		<lastmod>2025-12-12T17:32:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/philips-v-royal-sun-alliance-insurance-company-of-canada-august-8-2025/</loc>
		<lastmod>2025-12-12T17:36:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/russnaik-v-royal-sun-alliance-insurance-company-august-11-2025/</loc>
		<lastmod>2025-12-12T17:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/aviva-insurance-company-of-canada-v-grant-august-20-2025/</loc>
		<lastmod>2025-12-12T17:40:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/badawi-v-aviva-insurance-canada-august-21-2025/</loc>
		<lastmod>2025-12-12T17:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/agyapong-v-aviva-general-insurance-company-october-2-2025/</loc>
		<lastmod>2025-12-12T17:50:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/karmali-v-aviva-general-insurance-october-22-2025/</loc>
		<lastmod>2025-12-12T17:52:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/agyapong-v-aviva-insurance-canada-march-17-2025/</loc>
		<lastmod>2025-12-12T17:53:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/yip-v-aviva-insurance-company-of-canada-october-14-2025/</loc>
		<lastmod>2025-12-16T16:17:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/perivolaris-v-caa-insurance-company-january-5-2026/</loc>
		<lastmod>2026-02-02T04:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/nazarlotfi-v-aviva-insurance-company-of-canada-december-10-2025/</loc>
		<lastmod>2026-02-02T15:04:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://kostyniukandgreenside.com/Reported%20Decision/matherson-v-coachman-insurance-company-january-21-2026/</loc>
		<lastmod>2026-03-15T15:42:39+00:00</lastmod>
	</url>
</urlset>
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