The decision of Borins J. in Young v. Here, too, Mr. Vijeyekumar's death is accidental from the victims' perspective. It is illogical to say that an accident under the Schedule includes murder, but not suicide. In both cases the death of the insured is caused by an intentional act. No policy considerations preclude payment of no-fault benefits in cases of suicide.
Suicide is no longer a crime in Canada.
Under the Schedule, death benefits are payable even when, on policy grounds, the insured is denied accident benefits because of some wrongdoing. Part XIV of the Schedule lists a series of exclusions denying accident benefits to an insured in specified cases of wrongdoing. This list of exclusions, however, does not apply to the payment of death and funeral benefits to a surviving spouse and dependants. Indeed, even if a person steals a car and is killed while driving it, his or her spouse and children are entitled to death benefits. These considerations demonstrate that paying death benefits to the respondents because of Mr. Vijeyekumar's suicide is consistent with legislative policy.