If Herpes virus and contracting it through the unprotected sexual contact wold become accepted by the court of Canada in the fault and disability claims it would dramatically expand the scope and merit of accident coverage under existing insurance policies to include coverage for unexpected, but rather "naturally occurring", disease". The damage to the insurance industry will be by far more damaging that will impact the provisions of disability insurance in Canada - the intervention of Canadian Life and Health Insurance Association have publicly stated in their announcement.