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Ibrahimova v Cavanagh: Missed pPROM, the Novel Presentation Referral Framework, and Catastrophic Outcomes

Ontario court finds emergency physician negligent for failing to refer 17-week pregnant patient with pPROM to obstetrician, leading to septic shock and amputations.

By Paul Cahill October 3, 2025 23 min read
Case comment on Ibrahimova v Cavanagh, 2025 ONSC 4808 (Ontario Superior Court of Justice), plaintiff trial win for 17-week pregnant patient with catastrophic outcome (below-knee amputation, partial foot amputation, kidney transplant, stroke, seizures) after emergency physician failed to refer her to obstetrician on documented possible preterm premature rupture of membranes. By Paul Cahill, LSO Certified Specialist in Civil Litigation.

Emergency medicine physicians in Canadian community hospitals see a wide variety of presentations, the majority of which fall within familiar diagnostic and treatment frameworks. A small but important proportion of presentations involve conditions that the individual physician has not personally encountered before. The standard of care framework for these novel presentations is well-developed: where a physician is confronted with a condition outside their experience, the framework requires consultation with a specialist or referral for specialist assessment. The framework operates as a structural safeguard against the limits of any individual physician’s training and experience. Where the framework is bypassed and the patient is discharged on a “watch and wait” basis, the consequences can be catastrophic.

Ibrahimova v Cavanagh, 2025 ONSC 4808, released by the Ontario Superior Court of Justice on August 22, 2025, is a recent application of the framework. The plaintiff was a 17-week pregnant woman who presented to a small community hospital emergency department with classical signs of preterm premature rupture of membranes (pPROM). The emergency physician noted the likelihood of amniotic fluid leakage but discharged the patient with instructions to watch and wait. Over the following days, the patient developed sepsis and progressed to septic shock. The cascade produced devastating consequences: below-knee amputation of one leg, partial amputation of the other foot, kidney failure requiring transplant, stroke, compromised use of one arm, and seizure disorder. The court found the emergency physician negligent and held that timely obstetrical referral, antibiotics, and dilation and curettage would on the balance of probabilities have prevented the cascade.

The case is doctrinally important for several reasons. It is one of the clearest recent articulations of the “novel presentation requires referral” framework, applied specifically to an emergency physician who had never encountered pPROM before. It addresses the standard of care for previable pregnancy complications (before 24 weeks gestation), a clinical context with specific management requirements distinct from term pregnancy care. It illustrates the multi-defendant liability allocation framework, with three physicians implicated and only one ultimately held causally responsible. It includes a detailed damages assessment for catastrophic multi-organ outcomes in a still-functioning patient with long-term care needs. And it adds an Ontario authority to the developing cluster of frameworks for obstetric emergency care at the interface between emergency medicine and obstetric specialty practice.

The clinical context — pPROM and the ascending infection cascade

A brief clinical overview is useful for the analysis.

Premature rupture of membranes. The amniotic sac is the fluid-filled membrane that surrounds the developing fetus during pregnancy. The membranes typically remain intact until the onset of labour at term. “Premature rupture of membranes” (PROM) refers to rupture of the membranes before the onset of labour. “Preterm premature rupture of membranes” (pPROM) refers to membrane rupture before 37 weeks gestation. “Previable PROM” refers to rupture before fetal viability, typically considered to be before 24 weeks gestation (though the threshold has shifted somewhat with advances in neonatal intensive care).

The “gush of fluid” presentation. PROM classically presents with a sudden gush of fluid from the vagina, typically followed by ongoing leakage. The fluid is clear or slightly bloody and is often described by patients in terms that distinguish it from urine (a controlled but sudden loss; not under voluntary control; ongoing leakage; sometimes with a distinctive odour). The framework for diagnosis includes:

  • Clinical history (the gush of fluid; ongoing leakage)
  • Sterile speculum examination (visual confirmation of fluid in the vagina; “pooling” of fluid in the posterior fornix)
  • Nitrazine paper test (amniotic fluid is alkaline; turns nitrazine paper blue)
  • Ferning test (microscopic examination of dried fluid shows characteristic fern-like pattern)
  • Ultrasound assessment of amniotic fluid volume (decreased fluid supports the diagnosis)
  • Biochemical markers (AmniSure, Actim PROM) in equivocal cases

The framework for diagnosis is well-established and within the scope of practice of obstetric services. The framework also includes appropriate referral where the diagnosis is suspected but not confirmed, given the serious implications for management.

The risk of ascending infection. Once the membranes have ruptured, the normally sterile uterine cavity is in continuity with the vaginal flora. Vaginal bacteria can ascend through the cervix and reach the uterine cavity, fetus, and amniotic fluid. The progression to clinically significant infection is variable:

  • Chorioamnionitis is infection of the chorion and amnion (the fetal membranes). It typically produces maternal fever, uterine tenderness, foul-smelling vaginal discharge, maternal tachycardia, fetal tachycardia (where the fetus is viable), and elevated maternal inflammatory markers.
  • Endometritis is infection of the uterine lining.
  • Maternal bacteremia and sepsis can develop where the infection spreads systemically. The cascade can progress rapidly: maternal sepsis from intrauterine infection has the same trajectory as sepsis from any other source, with the additional complication that the pregnancy must be considered in the management decisions.

The previable management framework. Where pPROM occurs before fetal viability, the management framework is distinct from term pregnancy care. The principal considerations include:

  • The risk of ascending infection and maternal sepsis (substantial and time-sensitive)
  • The fetal prognosis (typically very poor with previable PROM; the fetus is not viable for ex-utero life and has significant risk of in-utero demise from cord compression, infection, or other complications)
  • The maternal preferences regarding continuation of the pregnancy
  • The availability of antibiotic prophylaxis and other supportive measures

The framework typically involves obstetric consultation to discuss management options including expectant management with antibiotics or evacuation of the uterus via dilation and curettage or other procedures.

The “novel presentation requires referral” framework. Where an emergency physician encounters a condition outside their personal experience or expertise, the standard of care framework requires consultation or referral. The framework operates as a structural safeguard against the limits of any individual physician’s training and experience. The framework is particularly important in community hospital settings where the physician on duty may not have direct access to specialists on the floor and where referral may require transfer to a tertiary care facility.

The framework rests on the principle that medical knowledge is too vast for any single physician to master comprehensively. Specialist consultation provides the patient with access to expertise that the front-line physician may not have. The framework does not require the front-line physician to manage every condition independently; it requires structured recognition of the limits of their expertise and appropriate use of consultation.

The facts

The patient. Ms. Tamara Ibrahimova was 17 weeks pregnant.

The first emergency department visit. On May 3, 2019, Ms. Ibrahimova presented to the Kincardine community hospital emergency department. Dr. Angela Cavanagh, the emergency medicine physician, assessed her and diagnosed her with a threatened miscarriage. The diagnosis is the standard framing for symptomatic early pregnancy where there is concern about pregnancy loss.

The second emergency department visit. On May 4, 2019, Ms. Ibrahimova returned to the same emergency department reporting a “gush of fluid.” The history is the classic clinical signal for rupture of membranes.

Dr. Cavanagh’s documented observations. Dr. Cavanagh documented in the contemporaneous record the likelihood that the fluid was amniotic in origin. The framework for diagnosis of PROM was therefore engaged: the history was consistent with the diagnosis, and the physician’s own documentation reflected the recognition of that possibility.

The discharge. Despite the documented recognition that pPROM was the likely diagnosis, Dr. Cavanagh discharged Ms. Ibrahimova without referring her to an obstetrician and without initiating further treatment. The discharge instructions were to “watch and wait.” Ms. Ibrahimova was released from the hospital by 7:45 AM on May 4, 2019.

The subsequent deterioration. Over the following days, Ms. Ibrahimova’s clinical condition deteriorated. The ascending infection developed, progressed to chorioamnionitis, and then to maternal sepsis and septic shock.

Further hospital attendances. Two additional physicians (Dr. Kalaichandran and Dr. Ponesse) became involved in Ms. Ibrahimova’s care during her subsequent presentations. The court found that they too breached the standard of care, but their involvement came at a point when the cascade had progressed beyond the point at which intervention could have changed the outcome.

The catastrophic outcome. The septic shock cascade produced devastating compromise of blood flow to the extremities and organ failure. Ms. Ibrahimova ultimately suffered:

  • Below-knee amputation of the left leg
  • Partial amputation of the right foot
  • Kidney failure requiring transplant
  • Stroke
  • Compromised use of the right arm
  • Seizure disorder

The pregnancy was lost in the course of the cascade.

The action. Ms. Ibrahimova brought a civil action against the three physicians alleging negligence in the diagnosis, treatment, and referral framework during her emergency department presentations.

The expert evidence

Both sides called experienced expert evidence on the standard of care and on causation.

The plaintiff’s experts.

An emergency medicine expert with extensive teaching and clinical experience addressed the standard of care for an emergency physician confronted with a possible pPROM presentation. The expert focused on the framework for recognition, the role of consultation and referral, and the practical implementation of the standard in a community hospital setting.

A second emergency medicine expert, board-certified in both emergency medicine and infectious diseases, also addressed the standard of care framework. The expert’s combined background allowed integrated analysis of the emergency medicine and infectious disease dimensions of the case.

An obstetrician and gynecologist addressed the framework for interaction, referral, and consultation between emergency physicians and obstetricians, and specifically the point at which an obstetrician should have taken over the care. The expert also provided causation opinion evidence on the trajectory of the case with appropriate management.

The defence experts.

A family and emergency medicine physician with extensive community hospital experience addressed the standard of care for an emergency physician in a community hospital setting, including the practical realities of consultation and referral in smaller centres.

An infectious disease expert addressed the trajectory of infection and the framework for antibiotic management.

The structure of expert disagreement. The expert disagreement centred on two principal questions: whether the standard of care required obstetrical referral on May 4 (with the plaintiff’s experts saying yes and the defence experts arguing for a different framework), and whether obstetrical referral on May 4 or May 5 would on the balance of probabilities have prevented the catastrophic outcome (with the plaintiff’s experts saying yes and the defence experts contesting the counterfactual).

The court’s analysis on standard of care

The court found that Dr. Cavanagh had breached the standard of care on three grounds.

Failure to diagnose pPROM. The clinical history of a “gush of fluid” in a pregnant patient is a clear clinical signal for rupture of membranes. Dr. Cavanagh’s own documentation noted the likelihood of amniotic fluid leakage. The standard of care required either confirmation of the diagnosis through structured assessment (speculum examination, nitrazine, ferning, ultrasound) or referral to a specialist capable of completing that assessment. The framework treats the failure to act on a documented clinical possibility as itself a SOC failure.

Failure to refer to an obstetrician. Given the seriousness of the implications of pPROM (the risk of ascending infection, the management questions for the previable pregnancy, the maternal risk profile), the standard of care required obstetric consultation or referral. The framework treats obstetric consultation as a necessary component of the response to pPROM rather than as an optional escalation.

Inadequate response to a high-risk situation. “Watch and wait” was not an adequate response to a documented possible pPROM. The framework for high-risk obstetric presentations requires active management or referral, not deferred assessment. The framework reflects the time-sensitive nature of the ascending infection cascade and the importance of early intervention.

The “novel presentation requires referral” finding. The court’s reasoning included specific recognition that pPROM was a condition Dr. Cavanagh had never encountered before. The standard of care framework applies particular weight to novel presentations: a physician who has not encountered a condition before is, by definition, working at the edge of their personal expertise, and the framework supports referral on that basis alone.

The court captured the reasoning at paragraphs 112-113 of the decision. The standard required referral to an obstetrician before the discharge time on May 4 because (a) the rupture of membranes diagnosis should have been made and the increased infection risk warranted referral, and (b) the rare and novel nature of the presentation independently warranted referral. The framework includes both an evidence-based clinical reasoning route and an experience-based novelty route to the referral requirement, and either route alone would have supported the standard of care finding.

The other defendants. The court found that Drs. Kalaichandran and Ponesse had also breached the standard of care during their subsequent involvement, but the causation analysis (below) limited the practical consequences of those findings to Dr. Cavanagh.

The court’s analysis on causation

The court applied the but-for causation framework articulated in Clements v Clements, 2012 SCC 32.

Dr. Cavanagh’s causation. The court found that but for Dr. Cavanagh’s failure to diagnose pPROM and refer Ms. Ibrahimova to an obstetrician, the severe complications would have been avoided on the balance of probabilities. The expert evidence supported the conclusion that timely obstetrical referral on May 4 or May 5 would have resulted in antibiotic therapy and dilation and curettage, which would have prevented the progression to chorioamnionitis, sepsis, and septic shock.

The other defendants’ causation. The court found no causal connection between the breaches by Drs. Kalaichandran and Ponesse and the catastrophic outcome. By the time of their involvement, the cascade had progressed beyond the point at which intervention could have changed the trajectory. The framework recognizes that breach of the standard of care does not produce liability where the breach did not cause the harm; the harm would have followed the same trajectory regardless of the breach.

The framework illustrates the multi-defendant liability allocation pattern previously seen in KB v Guhle: where multiple physicians are involved in a patient’s care and the catastrophic outcome was set in motion by the earliest physician’s breach, that physician bears the causal responsibility, even if subsequent physicians also fell below the standard.

The damages assessment

The damages assessment in Ibrahimova v Cavanagh illustrates an efficient hybrid framework that is common in catastrophic injury litigation.

The agreed components. The parties agreed on the quantum of damages for the principal categories that have established frameworks: non-pecuniary damages (general damages), past and future income loss, special damages, and the subrogated claims of the public health insurance plan. The agreement on these categories reflects the maturation of the Canadian damages framework for catastrophic injury claims: once the underlying clinical and functional facts are established, the calculation of these categories can typically be agreed between counsel applying the established frameworks.

The contested components. The parties did not agree on the past and future care needs and housing modifications. These categories require detailed assessment of the specific needs of the specific plaintiff and are typically the subject of competing expert evidence (life care planners, occupational therapists, vocational consultants, and others). The court was required to make specific findings on each category.

The court’s specific awards included:

  • Medication. Full cost of medication awarded to the plaintiff. The framework reflects that prescription medications related to the underlying injury are typically compensable in full, with the calculation based on the present value of the projected lifetime cost.
  • Attendant care. Three rates applied across three periods. The framework reflects the calibration of personal support needs to the plaintiff’s functional capacity at different stages: the immediate post-injury period (highest needs at $22/hour for 8 hours per day from May 7, 2019 to March 9, 2020); the intermediate adjustment period ($22/hour for 5 hours per day from March 10, 2020 to present); and the long-term framework ($38/hour for 8 hours per day for life at the agency rate, reflecting the higher rate for professional agency-based personal support workers).
  • Housing. The framework included three components: the incremental cost of a larger accessible home ($290,000 representing the difference between a standard home and a three-bedroom home suitable for the plaintiff’s needs); the year-one cost of housing modifications ($265,000 for the initial adaptations); and the year-30 modifications (at the same level as year one, reflecting that modifications need to be redone periodically over a lifetime).
  • Housekeeping. Compensation for the loss of the plaintiff’s contribution to normal housekeeping. The framework typically calculates the value of household work the plaintiff would have performed but for the injury, applying an appropriate market wage rate for the equivalent commercial service.
  • Social and recreational programs. $1,000 per year for life to support mental and physical health through community engagement. The framework reflects the broader principle that damages should support not just survival but a meaningful quality of life.
  • Financial management. $5,000 per year due to cognitive deficits and language barriers. The framework recognizes that the plaintiff’s combined challenges include not just physical impairments but also cognitive consequences of the stroke and barriers arising from English as a second language. The financial management framework is the practical mechanism for ensuring that the substantial damages award is properly administered over the plaintiff’s lifetime.
  • Transportation. Taxi expenses accepted as a proxy for mileage charges. The framework reflects the practical reality that the plaintiff cannot drive due to her injuries and depends on taxi or accessible transportation services.
  • Vocational assistance. Funding to support the plaintiff in obtaining a vocation or avocation suited to her remaining functional capacity. The framework recognizes that even where return to her pre-injury work is not feasible, support for adapted vocational engagement is part of the damages framework.

The doctrinal anchors

Several doctrinal anchors emerge from the case.

The pPROM recognition framework. The standard of care for emergency physicians includes recognition of pPROM as a serious obstetric emergency requiring specialist assessment. The clinical signal of a “gush of fluid” in a pregnant patient is the principal feature. The framework requires the physician to either confirm or rule out the diagnosis through structured assessment, or to refer to a specialist capable of completing that assessment.

The “gush of fluid” history-taking framework. The patient’s description of a sudden gush of fluid is the classic clinical signal for rupture of membranes. The framework treats the history as itself a significant clinical finding that requires structured response. Where the physician documents the history but does not act on it, the framework supports a SOC failure analysis.

The “novel presentation requires referral” framework. Where a physician is confronted with a condition outside their personal experience or expertise, the standard of care framework requires consultation or referral. The framework operates as a structural safeguard against the limits of any individual physician’s expertise. Ibrahimova v Cavanagh is the principal cluster authority on the framework specifically applied to a rare or novel condition.

The “watch and wait” as SOC failure framework. “Watch and wait” can be an appropriate framework for some clinical conditions, but it is not an appropriate response to a documented high-risk condition with time-sensitive consequences. The framework distinguishes between conditions where deferred assessment is appropriate (typically self-limited or low-risk presentations) and conditions where active management or referral is required.

The ascending infection cascade framework. Once the membranes have ruptured, the framework recognizes the risk of bacterial ascent from the vagina into the uterine cavity and the potential for progression to chorioamnionitis, maternal sepsis, and septic shock. The framework is time-sensitive: early antibiotic intervention can prevent the progression, while delayed intervention may not be able to interrupt the cascade once it is established.

The previable PROM management framework. The framework for management of pPROM before fetal viability is distinct from term pregnancy management. The principal considerations include the maternal infection risk, the fetal prognosis, the maternal preferences, and the framework for surgical evacuation of the uterus (dilation and curettage) where indicated. The framework is well-established in obstetric specialty practice but may not be familiar to emergency physicians, which is precisely why referral is required.

The multi-defendant liability allocation framework. Where multiple physicians are involved in a patient’s care and the catastrophic outcome was set in motion by the earliest physician’s breach, that physician bears the causal responsibility, even if subsequent physicians also fell below the standard. The framework joins KB v Guhle in articulating the same principle from the multi-defendant pediatric context.

The “earliest negligence wins” causation pattern. Where the cascade leading to catastrophic injury is set in motion by the first physician’s breach and subsequent physicians, although also negligent, could not have changed the outcome, the framework supports liability against the first physician. The framework is doctrinally consistent with the but-for causation analysis articulated in Clements v Clements.

The catastrophic multi-organ outcome framework. Sepsis can produce widespread organ injury affecting multiple body systems. The damages framework recognizes the full scope of the resulting impairments, including amputations, organ failure (and the subsequent transplant), cerebrovascular injury, and seizure disorder. Ibrahimova v Cavanagh applies the framework to one of the most extensive multi-organ outcomes in recent Ontario malpractice litigation.

The agreed-quantum / contested-quantum hybrid trial framework. Where the parties can agree on the principal categories of damages (general damages, income loss, special damages, subrogated claims) and contest only the categories requiring detailed individualized assessment (care needs, housing), the framework supports an efficient trial that focuses on the genuine areas of disagreement. The framework reflects the maturation of the Canadian damages framework for catastrophic injury claims.

The agency-rate attendant care framework. Where the framework requires the calculation of long-term attendant care costs, the agency rate (higher than the direct-employment rate) is typically appropriate for the lifetime award. The framework reflects the practical reality that long-term care arrangements typically require agency support to ensure continuity and quality.

The “cognitive deficits plus language barrier” financial management framework. Where the plaintiff faces compounded challenges of cognitive impairment from injury and pre-existing barriers such as language, the framework can support a financial management allowance to ensure that the damages award is properly administered. The framework recognizes that access to justice considerations extend beyond the trial itself to the practical administration of the recovery.

The interface between emergency medicine and obstetric specialty practice framework. Obstetric emergencies in non-tertiary care settings raise specific questions about the interface between emergency physicians and specialist obstetric services. The framework for that interface includes the recognition of conditions requiring specialist input, the framework for consultation and referral, and the framework for transfer where local specialist services are not available. Ibrahimova v Cavanagh is one of the principal recent articulations of the framework.

Why this case matters

For families facing catastrophic obstetric outcomes. The case provides an important reference point for understanding the standard of care that applies to obstetric emergencies in community hospital settings.

Some practical observations:

Documented clinical possibilities require action. Where the emergency physician’s contemporaneous documentation recognizes a clinical possibility (such as the likelihood of amniotic fluid leakage in Ibrahimova v Cavanagh), the framework requires the physician to act on that possibility. The framework treats the failure to act on a documented possibility as a serious SOC failure.

Specialist referral is part of the standard of care. The framework does not require the emergency physician to manage every condition independently. The framework recognizes the limits of individual expertise and supports specialist referral where appropriate. Where the physician encounters a condition outside their experience, the framework treats specialist referral as a structural component of the standard of care.

Time-sensitive conditions require active management. “Watch and wait” is not an appropriate response to a documented high-risk condition with time-sensitive consequences. The framework distinguishes between conditions where deferred assessment is appropriate and conditions where active management or referral is required.

Catastrophic multi-organ outcomes warrant comprehensive damages assessment. Where the cascade of injury affects multiple body systems, the framework supports a comprehensive damages assessment that includes the cost of lifetime care needs, housing modifications, transportation, vocational support, and the other components of meaningful long-term support. The damages framework is calibrated to the specific functional consequences of the injury.

For more on the framework for evaluating cases including obstetric emergencies, see Suing for Medical Malpractice in Ontario: What You Need to Know and the Birth Injury Lawyer practice area page for the broader framework on obstetric malpractice.

For emergency medicine and obstetric teams. A few practical observations:

Recognize the limits of individual expertise. The standard of care framework supports rather than penalizes the recognition of limits in personal expertise. A physician who refers a patient to a specialist because the condition is outside their experience is meeting the standard. A physician who manages the condition independently despite limited experience may be falling below the standard.

The “gush of fluid” history requires structured response. Where a pregnant patient reports a gush of fluid, the differential includes pPROM. The framework requires either confirmation or exclusion of the diagnosis through structured assessment or referral, not just acknowledgment of the possibility.

Document and act. Where the contemporaneous documentation recognizes a serious clinical possibility, the framework expects the physician to act on the possibility. The combination of recognition without action is doctrinally weaker than either an alternative diagnosis with appropriate management or specialist referral.

Watch and wait is not always appropriate. The framework for deferred assessment depends on the underlying condition. For self-limited or low-risk presentations, watch and wait may be appropriate. For time-sensitive high-risk presentations, active management or referral is required.

Community hospital practice requires structured consultation pathways. Where the local hospital does not have specialist services on the floor, the framework supports structured consultation or referral arrangements with tertiary care facilities. The framework recognizes the practical realities of community hospital practice while maintaining the standard of care for the patient.


Decision Date: August 22, 2025

Jurisdiction: Ontario Superior Court of Justice

Citation: Ibrahimova v Cavanagh, 2025 ONSC 4808 (CanLII)

Outcome: Judgment in favour of the plaintiff against the emergency medicine physician who assessed her on May 4, 2019. The court found that the standard of care required referral to an obstetrician before the discharge time on May 4, on the basis that the physician should have diagnosed rupture of membranes given the patient’s reported “gush of fluid” and that the increased infection risk warranted referral, and additionally on the basis that pPROM was a rare and novel presentation the physician had never encountered before. The court further found that two other physicians involved in the patient’s subsequent care also breached the standard of care, but that no causal connection existed between their breaches and the catastrophic outcome because by the time of their involvement the cascade had progressed beyond the point at which intervention could have changed the trajectory. The court applied the but-for causation framework and found that timely obstetrical referral on May 4 or May 5 would on the balance of probabilities have resulted in antibiotic therapy and dilation and curettage, which would have prevented the progression to chorioamnionitis, sepsis, and septic shock. The catastrophic outcome included below-knee amputation of the left leg, partial amputation of the right foot, kidney failure requiring transplant, stroke, compromised use of the right arm, and seizure disorder. Damages were partially agreed between the parties before trial; the court addressed the contested categories of care needs and housing modifications, with specific awards for medication costs, attendant care at calibrated rates over three periods, housing modifications and incremental costs, housekeeping, social and recreational programs, financial management to address cognitive deficits and language barriers, transportation, and vocational assistance.

Key authorities: Wilson v Swanson, [1956] SCR 804 (specialist standard); Crits v Sylvester, [1956] OR 132 (medical practitioner standard); ter Neuzen v Korn, [1995] 3 SCR 674 (specialist standard); Snell v Farrell, [1990] 2 SCR 311 (robust and pragmatic causation); Clements v Clements, 2012 SCC 32 (but-for causation framework); Andrews v Grand & Toy Alberta Ltd, [1978] 2 SCR 229 (general damages cap framework); Health Insurance Act, RSO 1990, c H.6 (OHIP subrogated interest).

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