I am satisfied that this is a case where I, as motion judge,
am able to achieve the full appreciation of the evidence and
issues that is required in order to make dispositive findings,
without the need for a trial: see Combined Air Mechanical Services Inc. v. Flesch (2011), 108 O.R. (3d) 1,  O.J. No. 5431
(C.A.). Neither counsel submitted otherwise in argument.
Accordingly, this is an appropriate matter to be dealt with by
way of a motion for summary judgment.
The Statutory Framework
 Uninsured automobile coverage must be included in every
policy of motor vehicle insurance, pursuant to s. 265(1) of the
Insurance Act, R.S.O. 1990, c. I.8 (the “Act”), which reads as
265(1) Every contract evidenced by a motor vehicle liability policy shall
provide for payment of all sums that,
(a) a person insured under the contract is legally entitled to recover
from the owner or driver of an uninsured automobile or unidenti-
fied automobile as damages for bodily injuries resulting from an
accident involving an automobile;
(b) any person is legally entitled to recover from the owner or
driver of an uninsured automobile or unidentified automobile as
damages for bodily injury to or the death of a person insured
under the contract resulting from an accident involving an auto-
(c) a person insured under the contract is legally entitled to recover
from the identified owner or driver of an uninsured automobile as
damages for accidental damage to the insured automobile or its
contents, or to both the insured automobile and its contents,
resulting from an accident involving an automobile,
subject to the terms, conditions, provisions, exclusions and limits as are pre-
scribed by the regulations.
 Certain “statutory conditions” are also required to be
included in every policy. Section 234 of the Act provides as follows:
234(1) The conditions prescribed by the regulations made under paragraph 15.1 of subsection 121(1) are statutory conditions and shall be deemed
to be part of every contract to which they apply and shall be printed in English or French in every policy to which they apply with the heading “
Statutory Conditions” or “Conditions légales”, as may be appropriate.
(2) No variation or omission of or addition to a statutory condition is binding on the insured.
(3) Except as otherwise provided in the contract, the statutory conditions
referred to in subsection (1) do not apply to the insurance required by section
265 or 268.