OK, so from what I've read from the above is that if your client has a bang up, while he has ppl in his (insured's) car, but circumstances allow him to call you up to discuss the merits of filing a collision claim or not, you are not obligated, by virtue of your brokerage agreement with the Pilot, to notify them that they MIGHT be exposed to a personal injury claim that can be filed against them any time in the next 6 years, long after your client (insured) has moved on to another company or moved out of Province. You see the legal complications regarding this kind of thing. Supposedly that is the reason behind the Pilot wanting full and immediate disclosure from their brokers.
I gotta call my Pilot lady on Monday anyways so I will ask again.