Study 13 – Quebec Plan

Question 1

With respect to automobile insurance, the only province among the following where claims are settled without consideration to fault is

a. British Columbia
b. New Brunswick
c. Newfoundland
d. Quebec

Answer 1

d. Quebec

Question 2

The first jurisdiction in North America to totally ban suits for injury is

a. Ontario
b. Quebec
c. Michigan State
d. New York State

Answer 2

b. Quebec

Question 3

The P.R.R. is

a. to establish the GAA in Quebec for the administering of auto insurance in Quebec
b. a facility type mechanism
c. to determine standards for appraisal centres
d. to establish and administer a direct compensation agreement

Answer 3

b. a facility type mechanism

Question 4

The basic purpose of the “Fonds d’indemnisation” is the compensation for

a. hit-and-run motorist
b. uninsured motorist
c. motorists who are non-residents of Quebec
d. motorists of automobile accidents caused by an uninsured motorist

Answer 4

d. motorists of automobile accidents caused by an uninsured motorist

Question 5

The equivalent of the Automobile Statistical Plan is undertaken in Quebec by

a. the Insurance Bureau of Canada
b. the Groupement des assureurs automobiles
c. fonds d’indemnisation
d. plan de repartition des risques

Answer 5

b. the Groupement des assureurs automobiles

Question 6

Non-residents who sustained bodily injuries in Quebec are

a. not entitled to any compensation in Quebec
b. also entitled to compensation, to the extent that they are at fault
c. assessed by the ordinary rules of law for responsibility in these cases, not by Fault Charts
d. entitled to full compensation as residents irrespective of fault

Answer 6

c. assessed by the ordinary rules of law for responsibility in these cases, not by Fault Charts

Question 7

Which of the following is NOT true of automobile insurance in Quebec?

a. a seriously injured person may sue the responsible motorist and the government insurer
b. coverage for bodily injuries is provided under a government plan
c. damage caused by a third party to an insured automobile must be paid by the insured’s own insurer
d. the standard Quebec automobile policy covers against Third Party Liability and Own Damage

Answer 7

a. a seriously injured person may sue the responsible motorist and the government insurer

Question 8

Liability determined using Driver Fault Charts, do not consider factors like:

a. speed
b. admission of guilt
c. road conditions
d. all of the above

Answer 8

d. all of the above

Question 9

Income Replacement amounts paid by the Societe are

a. based on gross income of the victim
b. subject to a maximum net income which remain unchanged once it is determined
c. changing from time to time and depend on victim’s employment status
d. amount is same for all victims applying for Income Replacement

Answer 9

c. changing from time to time and depend on victim’s employment status

Question 10

The Fault Chart in Quebec

a. is voluntarily used by insurers subscribed to IBC
b. is voluntarily used by insurers subscribed to the Quebec government insurance
c. must be used by insurers but are subject to challenge by insureds
d. must be used by insurers and followed by insureds

Answer 10

c. must be used by insurers but are subject to challenge by insureds