AB.AUTO Flashcards

1
Q

Guiding principles of AB’s automobile insurance system (4)

A

PATS

Private sector delivery

Accessible and affordable insurance

Timely and appropriate outcomes when claims are made

Sustainable and viable auto insurance system

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2
Q

Goals a fondamental reform would need to achieve (4)

A

PAES

Private sector delivery model

Appropriate medical benefits for injured in auto collision

Easier access to income replacement benefits

Significantly reduce or eliminate costs from the system

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3
Q

Results of research from committee (4)

A
  • Cause of high auto premiums was BI loss costs increase (component non-pecuniary damages)
  • nothing to control BI premiums, premiums will continue to rise
  • Some traffic injured are overcompensated while others are under-compensated
  • traffic accident health outcomes where improved where tort systems were eliminated and replaced with no-fault models
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4
Q

name 2 provinces that have a pure no-fault system

A

Manitoba & Quebec

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5
Q

identify the recommendations of the Alberta auto insurance committee

A
  • replace existing hybid tort/no-fault model with a pure no-fault model
  • introduce a “continuum of care model” to promote appropriate medical evaluation, assessment and treatment
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6
Q

describe how Alberta’s new auto insurance is recommended to work

A

create a Traffic Injury Regulator, including a Board and Tribunal to oversee the 4 arms of accident care & compensation:
[1] claims administration and support
[2] medical experts to evaluate injuries
[3] claims assessment panels for income replacement
[4] a reconstituted version of AIRB (Automobile Insurance Rate Board)

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7
Q

identify problems that Alberta and Ontario auto insurance have in common (2)

A
  • rising cost of auto insurance (largely bodily injury costs)
  • inefficient delivery of medical care
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8
Q

what has been identified as a primary cause of problems in AB & ON auto insurance

A

both systems have a tort component which causes:
→ delays in medical care
→ diversion of resources to the legal system

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9
Q

identify a similarity in recommendations to address these problems in AB & ON auto insurance

A
  • greater focus on timely medical care
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10
Q

identify a difference in recommendations to address these problems in AB & ON auto insurance

A

Alberta:
* convert to a pure no-fault system
Ontario:
* keep hybrid tort/no-fault system
(but fix structural flaws by appointing an arms-length regulator with powers to enact policies & procedures)

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