Book 1 Study 8

Question 1

Name the provinces that have full government auto insurance plans and outline the basic coverage’s for each.

Answer 1

1. Saskatchewan - (auto fund - plan)
Basic Coverage (third party liability, personal injury, comprehensive)
2. Manitoba - (autopac - plan)
Basic Coverage (third party liability, personal injury, all perils)
3. BC - (autoplan - plan)
Basic Coverage (third party liability, accident benefits)

Question 2

Minimum limits of third party liability insurance must be purchased from the government insurer in BC. Explain the options an insured has to obtain higher limits.

Answer 2

Higher liability limits and physical damage coverage may be purchased from the corporation (ICBC) or from private insurers.

Question 3

In Saskatchewan, what proof has a vehicle owner that his is insured?

Answer 3

The Automobile Accident Insurance Act is the master policy and the registration certificate and driver’s license are proof of insurance.

Question 4

In Manitoba can an injured insured sue a third party. Explain.

Answer 4

Under the Accident Benefits a injured person does not allow an injured person to sue a third party who is from outside the province or when a vehicle is not covered under Autopac. (such as a snowmobile)

Question 5

When two Quebec motorists collide in Quebec, may they sue each other? Why?

Answer 5

No, the (S.A.A.Q) intent of the coverage is to provide affordable and readily accessible compensation for the average citizen without the expense or delays of establishing fault or going to court.

Question 6

Who insures property damage resulting from automobile accidents in Quebec?

Answer 6

Bill 9 gave to the government the responsibility of bodily injuries loss settlement and left to the private insurers the coverage of property damages subject to certain guidelines.

Question 7

If you are a Quebec resident and your vehicle is damaged by another at-fault Quebec driver, how and from whom would you claim for your damage?

Answer 7

Loss of or damage to the insured Automobile is not a compulsory coverage, however, it should be kept in mind that all own damaged must be claimed under the vehicle owner’s own policy regardless of who was at fault.