Atlantic Provinces 71 COMMUNITIES
|
|
- Amber Marsha Mills
- 8 years ago
- Views:
Transcription
1 NATIONAL STUDY OF AUTOMOBILE INSURANCE RATES Third Release Atlantic Provinces 71 COMMUNITIES vs. British Columbia, Alberta Saskatchewan, Manitoba & Ontario 3,985,162 Auto Insurance Rates Compared October 19, 2005
2 This Consumers Association of Canada national study on auto insurance rates provides a statistically valid rate comparison in response to the following question: How much would the same driver pay for auto insurance if they lived in each of the communities in Canada surveyed in this study and had: - The same vehicle - The same driving record - The same claims history 2
3 ADVOCACY ON BEHALF OF CANADIAN CONSUMERS The Consumers Association of Canada is a national non-profit organization that has served the interests of consumers for over 50 years. A network of volunteer members supports the Association across Canada. In addition to its national office in Ottawa, Ontario branches of the Association are active from Nova Scotia to British Columbia and focus their work on local or regional issues. The Association provides an independent consumer voice when government and industry make decisions about products, policies or programs. The Association has worked with thousands of individual consumers in resolving disputes with product and service providers. The Association also advocates solutions to issues that are clearly in the consumer s interest even when these solutions are in conflict with Government or industry positions. Auto Insurance The Association has been a strong national advocate for fair auto insurance rates and fair treatment for victims of crashes. Since 1999 the Association has been publishing studies on auto insurance rates across Canada in response to consumer reaction to huge premium price increases, declining benefits, and massive industry profits. This study is the largest, most comprehensive comparative auto insurance rates comparison study ever conducted in Canada. All comments, analysis, findings and conclusions in this Study are the sole responsibility of the Consumers Association of Canada. COPYRIGHT
4 1.0 OVERVIEW 1.1 STUDY FOCUS The purpose of this study is to provide an independent source of information for consumers and policy makers about auto insurance rates across Canada. Recently, auto insurance has emerged as a significant consumer, public policy and political issue. In many provinces rates have increased dramatically, reduced benefits have been legislated by Governments and record profits achieved by insurers. This study focuses on delivering answers to a key question: How much would the same driver pay for auto insurance if they had the same vehicle, same driving record and same claims history but lived in each of the communities surveyed in this study? 1.2 STUDY METHODOLOGY The first release of the 2005 national study examined and compared auto insurance rates in Alberta and British Columbia. The second release included comparative information on Ontario. This third release focuses on New Brunswick, Newfoundland & Labrador and Nova Scotia. Three Hundred diverse rating profiles were selected to establish a statistically valid representative profile of the Canadian driving population. In effect, this study provides a statistically valid snapshot comparison of Canadian drivers, similar in approach to the Canadian Consumer Price Index. These profiles were selected to be representative on key insurance rate determinants such as age, gender, claims history, driving record, community population, marital status and vehicle type. The Association utilized 74,846 auto insurance rate quotes from New Brunswick, 25,432 from Newfoundland & Labrador and 89,370 from Nova Scotia covering 71 communities across these provinces. As well, the study used over 3.7 million quotes from the provinces of British Columbia, Alberta, Saskatchewan, Manitoba and Ontario for comparative purposes. The study obtained rate quotes for each driver profile for every one of the communities from the largest insurers with significant market shares in each province, as well as public auto insurers where applicable. Adequate data was not available for Prince Edward Island. The driver profiles were selected using a statistically valid selection method and each profile was selected randomly from a large pool of individuals who have recently sought to purchase auto insurance. 4
5 2.0 AUTO INSURANCE RATES 2.1 COMMON FACTORS THAT AFFECT RATES In both private and public auto systems factors that directly affect how much a consumer pays for their auto insurance are: Vehicle make, year and model Use of vehicle Claims history Location Driving record Deductibles In addition to the factors cited above private insurance systems use a number of other factors in determining rates that are not used in public auto systems. These factors include: Driver age Gender Marital Status 2.2 RATES DON T TELL THE WHOLE STORY Differences in rates between provinces reflect what a consumer pays for auto insurance but does not reflect differences between policy coverage. For example, caps on personal injury pain and suffering claims have been Government mandated in a province like New Brunswick in an effort to reduce policy premiums. Yet, rates are higher in that province than in a province like British Columbia where such caps do not exist. 5
6 3.0 KEY FINDINGS The key findings of this study regarding auto insurance rates in New Brunswick, Newfoundland & Labrador and Nova Scotia are: FINDING #1 Rates in New Brunswick, Newfoundland & Labrador and Nova Scotia Are Up To 45% Higher Than In British Columbia, Manitoba, and Saskatchewan FINDING #2 Atlantic Provinces Capital Cities Have Some of the Highest Rates In Canada FINDING #3 Larger Cities In New Brunswick, Newfoundland & Labrador, and Nova Scotia Have Much Higher Rates Compared to Similar Cities in British Columbia, Saskatchewan and Manitoba FINDING #4 - Medium Sized Cities In New Brunswick, Newfoundland & Labrador, and Nova Scotia Have Much Higher Rates Compared to Similar Cities in British Columbia, Saskatchewan and Manitoba FINDING #5 Small Towns In New Brunswick, Newfoundland & Labrador, and Nova Scotia Have Much Higher Rates Compared to Similar Sized Towns in Saskatchewan FINDING #6 Rates Are Consistently High Across Many Communities In Atlantic Provinces Compared To Victoria BC FINDING #7 Halifax Rates Are Almost Double The Rates In Victoria, BC FINDING #8 - Rates Across New Brunswick Are Consistently About 65% Higher Than in Victoria, BC 6
7 FINDING #1 Rates in New Brunswick, Newfoundland and Nova Scotia Are Up To 45% Higher Than British Columbia, Saskatchewan and Manitoba 7
8 FINDING #2 Atlantic Provinces Capital Cities Have Some of the Highest Rates In Canada 8
9 FINDING #3 Larger Cities In New Brunswick, Newfoundland & Labrador, and Nova Scotia Have Much Higher Rates Compared to Similar Cities in British Columbia, Saskatchewan and Manitoba 9
10 FINDING #4 Medium Sized Cities In New Brunswick, Newfoundland & Labrador, and Nova Scotia Have Much Higher Rates Compared to Similar Cities in British Columbia, Saskatchewan and Manitoba 10
11 FINDING #5 Small Towns In New Brunswick, Newfoundland & Labrador, and Nova Scotia Have Much Higher Rates Compared to Similar Sized Towns in Saskatchewan 11
12 FINDING #6 Rates Are Consistently High Across Many Communities In Atlantic Provinces Compared To Victoria, BC 12
13 FINDING #7 Halifax Rates Are Almost Double The Rates In Victoria, BC 13
14 FINDING #8 Rates Across New Brunswick Are Consistently About 65% Higher Than in Victoria, BC 14
Additional Tables, Youth Smoking Survey 2008-09
Additional Tables, Youth Smoking Survey 2008-09 Table 1. cigar use in last 30 days, cigarillo/little cigar/cigar use in last 30 days, cigarette use in the last 30 days, self defining as a smoker, Canada,
More informationThe Reality of Government-run Auto Insurance
Report on Other Automobile Insurance Issues Newfoundland and Labrador The Reality of Government-run Auto Insurance Mercer Oliver Wyman MYTH #1: Government-run insurance would be "driver-owned." FACT: Government-run
More informationHealth and Safety - Are you in danger? Health and Safety Awareness. Why is health and safety awareness important?
Health and Safety - Are you in danger? This summer, thousands of students across Canada will become employed in small and medium businesses, and in institutions such as hospitals and schools. Some will
More informationCanadian Provincial and Territorial Early Hearing Detection and Intervention. (EHDI) Programs: PROGRESS REPORT
Canadian Provincial and Territorial Early Hearing Detection and Intervention (EHDI) Programs: PROGRESS REPORT www.sac-oac.ca www.canadianaudiology.ca 1 EHDI PROGRESS REPORT This progress report represents
More informationAPPLICATION FOR PROFESSIONAL AND COMMERCIAL GENERAL LIABILITY INSURANCE FOR MEMBERS OF THE CANADIAN ASSOCIATION OF OPTOMETRISTS
Canadian Association of Optometrists APPLICATION FOR PROFESSIONAL AND COMMERCIAL GENERAL LIABILITY INSURANCE FOR MEMBERS OF THE CANADIAN ASSOCIATION OF OPTOMETRISTS Name of Applicant: Business/Corporation
More informationUniversity tuition fees, 2014/2015 Released at 8:30 a.m. Eastern time in The Daily, Thursday, September 11, 2014
University tuition fees, 2014/2015 Released at 8:30 a.m. Eastern time in The Daily, Thursday, September 11, 2014 Canadian full-time students in undergraduate programs paid 3.3% more on average in tuition
More informationMortgage Loan Insurance Business Supplement
CANADA MORTGAGE AND HOUSING CORPORATION Mortgage Loan Insurance Business Supplement YEAR-END December 31, March 31, The following Mortgage Loan Insurance Business Supplement is prepared for the year ending
More information4.0 Health Expenditure in the Provinces and Territories
4.0 Health Expenditure in the Provinces and Territories Health expenditure per capita varies among provinces/territories because of different age distributions. xii Population density and geography also
More informationPresented to the. Board of Commissioners of Public Utilities MELOCHE MONNEX COMMENTS ON
MELOCHE MONNEX COMMENTS ON THE REVIEW OF AUTOMOBILE INSURANCE IN NEWFOUNDLAND AND LABRADOR Presented to the Board of Commissioners of Public Utilities February 2005 TABLE OF CONTENT PREAMBLE... 3 INTRODUCTION...
More informationApplicable Legislative Provisions Securities Act, R.S.N.S. 1989, c. 418, as amended, sections 31, 58 and 79. IN THE MATTER OF
Headnote National Policy 11-203 Process for Exemptive Relief Applications in Multiple Jurisdictions -- Filer granted exemptions from the prospectus requirement, dealer registration requirement and underwriter
More informationAlcohol: A conversation. A comprehensive approach for schools. Social Studies Lesson 3 The intersection between personal and public decision-making
Social Studies Lesson 3 The intersection between personal and public decision-making Description This lesson seeks to guide students to think critically about an issue that may concern them in the near
More informationIssues in Canadian Universities and Impact on Business Schools
Issues in Canadian Universities and Impact on Business Schools November 14, 2012 Carleton University, Ottawa, Ontario By Christine Tausig Ford, Vice-President and Chief Operating Officer, AUCC Summary
More informationInternet Connectivity Among Aboriginal Communities in Canada
Internet Connectivity Among Aboriginal Communities in Canada Since its inception the Internet has been the fastest growing and most convenient means to access timely information on just about everything.
More informationThe Road Ahead A Planned Approach to Auto Insurance Solutions
The Road Ahead A Planned Approach to Auto Insurance Solutions Financial Institutions Division March 2003 Minister s Letter This Government, like you and other consumers, is concerned about the effect of
More informationREPORT REPORT OF THE TASK FORCE ON AUTOMOBILE INSURANCE ISSUES. MARCH 2005 2005 Canadian Institute of Actuaries
REPORT REPORT OF THE TASK FORCE ON AUTOMOBILE INSURANCE ISSUES MARCH 2005 2005 Canadian Institute of Actuaries Document 205010 Ce document est disponible en anglais Canadian Institute of Actuaries Institut
More informationIncome tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013
Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013 Federal income tax rates for income earned by a CCPC 1 Small Active Income between $400,000 and General Active General corporate
More informationBRM Programs What to Expect for the 2013 Program Year
Growing Forward 2 is a five-year policy framework for Canada s agriculture and agri-food sector and the basis for the delivery of federal-provincial-territorial programs. Growing Forward 2 includes ongoing
More informationCitation: TD Asset Management Inc. et al, 2005 ABASC 436 Date: 20050429
Headnote Mutual Reliance Review System for Exemptive Relief Applications investment advisor registered as such under US securities laws but operating out of Alberta is exempt from the registration requirement
More informationThe Regulation and Supply of Nurse Practitioners in Canada: Health Expenditure Estimates
The Regulation and Supply of Nurse Practitioners in Canada: Preliminary Technical Provincial Appendix and Territorial Government Health Expenditure Estimates 1974 1975 to 2004 2005 The Regulation and
More informationCMHC Mortgage Loan Insurance Overview
CMHC Mortgage Loan Insurance view Mortgage loan insurance is typically required when homebuyers make a down payment of less than 2% of the purchase price. Mortgage loan insurance helps protect lenders
More informationSCHEDULE A ACCREDITED INVESTOR STATUS CERTIFICATE
SCHEDULE A ACCREDITED INVESTOR STATUS CERTIFICATE TO BE COMPLETED BY BRITISH COLUMBIA, ALBERTA, SASKATCHEWAN, MANITOBA, ONTARIO, QUÉBEC, NEWFOUNDLAND AND LABRADOR, NOVA SCOTIA, NEW BRUNSWICK AND PRINCE
More informationPharmacist Workforce, 2012 Provincial/Territorial Highlights
pic pic Pharmacist Workforce, 2012 Provincial/Territorial Highlights Spending and Health Workforce Our Vision Better data. Better decisions. Healthier Canadians. Our Mandate To lead the development and
More informationRISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA
The appendix includes relevant clauses drawn from the Compulsory Minimum Insurance Coverage for Private Passenger Vehicles as prepared by the Insurance Bureau of Canada (FACTS 2005 p. 12-15) used with
More informationCatalogue no. 89-640-X. 2008 General Social Survey: Selected Tables on Social Engagement
Catalogue no. 89-640-X 2008 General Social Survey: Selected Tables on Social Engagement 2008 How to obtain more information For information about this product or the wide range of services and data available
More informationPARAMETERS OF THE PERSONAL INCOME TAX SYSTEM FOR 2015. November 2014
PARAMETERS OF THE PERSONAL INCOME TAX SYSTEM FOR 2015 November 2014 PARAMETERS OF THE PERSONAL INCOME TAX SYSTEM FOR 2015 Legal deposit November 2014 Bibliothèque et Archives nationales du Québec ISBN
More informationOpen Government and Information Management. Roy Wiseman Executive Director, MISA/ASIM Canada CIO (Retired), Region of Peel roy.wiseman@outlook.
Open Government and Information Management Roy Wiseman Executive Director, MISA/ASIM Canada CIO (Retired), Region of Peel roy.wiseman@outlook.com Open Government Defined Government of Canada defines Open
More informationInstructions NDEB Equivalency Process
NDEB Equivalency Process Table of Contents Submitting an online application... 3 Website... 3 Online registration portal... 5 Submitting required documents... 10 Application Instructions-Final.docx 2 /
More informationEmployment termination and group insurance coverage
HEALTH & DENTAL / DISABILITY, LIFE AND AD&D 14-11 Employment termination and group insurance coverage This GroupLine is a revised version of GroupLine 07-02. Previous versions also include 05-21, 02-11
More informationFraser Alert. Canadians Celebrate Tax Freedom Day on June 6. June 2009. Main Conclusions. Market solutions to public policy problems
Fraser Alert Market solutions to public policy problems June 2009 Canadians Celebrate Tax Freedom Day on June 6 Main Conclusions On Tax Freedom Day, the average Canadian family has earned enough money
More informationMULTILATERAL INSTRUMENT 33-107 PROFICIENCY REQUIREMENTS FOR REGISTRANTS HOLDING THEMSELVES OUT AS PROVIDING FINANCIAL PLANNING AND SIMILAR ADVICE
MULTILATERAL INSTRUMENT 33-107 PROFICIENCY REQUIREMENTS FOR REGISTRANTS HOLDING THEMSELVES OUT AS PROVIDING FINANCIAL PLANNING AND SIMILAR ADVICE PART 1 PROFICIENCY REQUIREMENTS 1.1 Proficiency Requirements
More informationYour New Banking Rights. What you should know about access to basic banking services
Your New Banking Rights What you should know about access to basic banking services Table of Contents Protecting Consumers: The New Federal Banking Regulations...2 Opening a Personal Bank Account...3 When
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationReport of the CMEC Quality Assurance Subcommittee
Report of the CMEC Quality Assurance Subcommittee 2007 2007 CMEC Jurisdictional Update on Activities Related to Quality Assurance Introduction In February 2007, ministers responsible for advanced education
More informationControl and sale of alcoholic beverages, for the year ending March 31, 2013 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 10, 2014
Control and sale of alcoholic beverages, for the year ending March 31, 2013 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 10, 2014 Beer and liquor stores and agencies sold $21.4 billion
More informationPROVINCIAL/TERRITORIAL COMPASSIONATE LEAVE LEGISLATION Provinces/Territories with Compassionate Care Leave Legislation
PROVINCIAL/TERRITORIAL COMPASSIONATE LEAVE LEGISLATION Provinces/Territories with Compassionate Care Leave Legislation Almost all of the provinces and territories either had existing labour legislation
More informationSurvey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014
Survey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014 Global value chains Business activities performed outside of Canada In 2012, 13.7
More informationControl and sale of alcoholic beverages, for the year ending March 31, 2012 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 11, 2013
Control and sale of alcoholic beverages, for the year ending March 31, 2012 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 11, 2013 Beer and liquor stores and agencies sold $20.9 billion
More informationProtecting Yourself from Financial Abuse
Protecting Yourself from Financial Abuse Banks are very aware of the growing incidence of financial abuse of vulnerable people and can play an important role in raising awareness on the issue, including
More informationPUBLIC UTILITIES BOARD AUTOMOBILE INSURANCE REVIEW BACKGROUNDER
PUBLIC UTILITIES BOARD AUTOMOBILE INSURANCE REVIEW BACKGROUNDER PUBLIC UTILITIES BOARD WHO WE ARE AND WHAT WE DO The Public Utilities Board is an independent, quasi-judicial regulatory agency. The Board
More informationAccess to Basic Banking Services
Access to Basic Banking Services Opening a personal deposit account and cashing Government of Canada cheques or other instruments In order to improve access to basic banking services, legislation requires
More informationThe False Promise of Government Auto Insurance: Estimating Average Auto Insurance Premiums in Ten Provinces, 2004-05
The False Promise of Government Auto Insurance: Estimating Average Auto Insurance Premiums in Ten Provinces, 2004-05 By Brett J. Skinner Contents Executive Summary / 2 Introduction / 3 Private sector versus
More informationWest Nile virus National Surveillance Report English Edition September 8 to September 14, 2013 (Report Week 37)
West Nile virus National Surveillance Report English Edition September to September, (Report Week ) Canada Humans: During surveillance week, the Public Health Agency of Canada (the Agency) was informed
More informationFunds for Fleets. A guide to government funding opportunities for employers in Canada s trucking industry
Funds for Fleets A guide to government funding opportunities for employers in Canada s trucking industry Funds for Fleets Government funding opportunities for employers in Canada s trucking industry 1.
More informationUNIFUND ASSURANCE COMPANY Submission to the PUB. 2005 Automobile Insurance Review Hearings
UNIFUND ASSURANCE COMPANY Submission to the PUB 2005 Automobile Insurance Review Hearings March 11, 2005 Unifund Assurance Company Unifund Assurance Company is one of the largest underwriters of personal
More informationDay-to-Day Banking. Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank. Cheque Holding Policy
Day-to-Day Banking Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank Cheque Holding Policy Opening A Personal Deposit Account We make it easy to open a personal deposit
More informationParents and employers must ensure
Guide to Child Labour Laws in Canada Parents and employers must ensure that the safety and health at work of employed youths are protected. Where children are employed, employers must make special efforts
More informationWorkers' Compensation
Suite How to Use GrandMaster Suite Workers' Compensation This page intentionally left blank Workers' Compensation 3 Table of Contents: HOW TO USE GRANDMASTER SUITE - WORKERS' COMPENSATION...4 OVERVIEW...4
More informationAll Canadian provinces, territories and
Guide to Minimum Employment Standards, Pay Deductions and Employment Insurance in Canada All Canadian provinces, territories and the federal government have minimum employment standards. Minimum employment
More informationPatterns of Job Growth and Decline
Patterns of Job Growth and Decline www.brandonu.ca/rdi/ July 2014 Highlights In Manitoba, 34% of employment is in non-metro, higher than the 28% share for Canada. Manitoba s non-metro employment has shown
More informationRules and Regulations. The Co-operators $57,000 Contest Giveaway, 2015
Rules and Regulations The Co-operators $57,000 Contest Giveaway, 2015 No Purchase Necessary. The contest begins on January 1, 2015 at 12:00:01 a.m. EST and will end on December 31, 2015, at 11:59:59 p.m.
More informationProfessional Corporations An Attractive Option
Professional Corporations An Attractive Option Recent and planned corporate income tax rate reductions mean that now is a good time for eligible professionals to consider incorporating their practices.
More informationResolving Customer Complaints
Resolving Customer Complaints When a Problem Occurs - We Can Help As an MCAP Client you have come to expect a high level of customer service. If you have a complaint regarding our service or policy, we
More informationAGREEMENT IN PRINCIPLE Labour Mobility Chapter of the Agreement on Internal Trade/Teaching Profession 1999 09 29
AGREEMENT IN PRINCIPLE Labour Mobility Chapter of the Agreement on Internal Trade/Teaching Profession 1999 09 29 This agreement in principle is developed in conformity with the provisions of Chapter 7
More informationDear Reader: Presented herewith is the Annual Gaming Report pursuant to Section 56 of the Gaming Control Act for the year ending March 31, 2013.
Dear Reader: Presented herewith is the Annual Gaming Report pursuant to Section 56 of the Gaming Control Act for the year ending March 31, 2013. The Annual Gaming Report covers the activities of the Alcohol
More informationONE INTERESTING DEVELOPMENT in the labour
Health-related insurance for the self-employed Ernest B. Akyeampong and Deborah Sussman ONE INTERESTING DEVELOPMENT in the labour market in the 199s was the rapid growth of self-employment relative to
More informationRegulations of the Teacher Qualification Service
Regulations of the Teacher Qualification Service A Joint Project of the BC Teacher's Federation and the BC School Trustees Association Teacher Qualification Service #106-1525 West 8th Avenue VANCOUVER,
More informationConsultation Document Automobile Insurance Reform
Consultation Document Automobile Insurance Reform The Department of Government Services is addressing several issues related to automobile insurance reform which are in addition to the Terms of Reference
More informationC14 Automobile Insurance Part 1 (British Columbia) Addendum February 2010 Revised
C14 Automobile Insurance Part 1 (British Columbia) Addendum February 2010 Revised (To be used with 2008 edition of the textbook.) Study 2, page 2 Inverse liability coverage has been added to the Contents
More informationMAGAZINE Publisher s Statement Six months ended December 31, 2012 Subject to Audit
MAGAZINE Publisher s Statement Six months ended December 31, 2012 Subject to Audit Field Served: Geography of Canada in popular form. Definition of List Source Recipients: Method of for : Individually
More informationConsistent Results Across Most of The Board
Canadian Health Care Trend Survey Results 2015 Consistent Results Across Most of The Board Our 2015 Health Care Trend Survey demonstrates that drug, health and dental cost trend factors have remained consistent
More informationStreet Smart: Demographics and Trends in Motor Vehicle Accident Mortality In British Columbia, 1988 to 2000
Street Smart: Demographics and Trends in Motor Vehicle Accident Mortality In British Columbia, 1988 to 2000 by David Baxter 3-Year Moving Average Age Specific Motor Vehicle Accident Death Rates British
More informationNo lien records found. Alberta (Normal) Not declared stolen. U.S. history found. Date Location Data Source Type of Record Detail
1 VEHICLE HISTORY REPORT VEHICLE DETAILS: VIN: 5GRGN22UX5H107589 Year/Make/Model: 2005 H2SUT Body Style: Wagon 4 Dr. Country of Assembly: United States Cylinders: 8 Fuel Type: Gas REPORT DETAILS: Report
More informationAutomobile Insurance: Evolution and Trends
Automobile Insurance: Evolution and Trends AAIARD Montreal, November 6th, 2009 Germain Denoncourt, FCAS, FCIA Summary Prehistory: before 1930 1930: major innovation More recent past Auto insurance in Canada
More informationESTIMATING THE NUMBER AND COST OF IMPAIRMENT-RELATED TRAFFIC CRASHES IN CANADA: 1999 TO 2010 April 2013
ESTIMATING THE NUMBER AND COST OF IMPAIRMENT-RELATED TRAFFIC CRASHES IN CANADA: 1999 TO 2010 April 2013 S. Pitel & R. Solomon Professors, Faculty of Law Western University 2 TABLE OF CONTENTS EXECUTIVE
More informationSaskatchewan Small Business Profile 2012
Saskatchewan Small Business Profile 2012 October 2013 Economic and Competitive Analysis Branch www.economy.gov.sk.ca Table of Contents INTRODUCTION... 1 KEY FACTS... 3 1. SMALL BUSINESS SECTOR... 4 2.
More informationCorporate taxation, CPP and EI 2015
Corporate taxation, CPP and EI 05 Table Business income eligible for SBD (05) Small business limit Federal $500,000.00 % Combined % Alberta 500,000.00.00 British Columbia 500,000.50.50 Manitoba 5,000 0.00.00
More informationSelected Annotated Bibliography Personal Health Information, Privacy and Access
A. National Personal Information Protection and Electronic Documents Act, S.C. 2000, c. 5 canlii.org/en/ca/laws/stat/sc-2000-c-5/latest/sc-2000-c-5.html Privacy Act, R.S.C. 1985, c. P-21 canlii.org/en/ca/laws/stat/rsc-1985-c-p-21/latest/rsc-1985-c-p-21.html
More informationCanada-U.S. Estate Planning for the Cross-Border Executive
February 16, 2010 Canada-U.S. Estate Planning for the Cross-Border Executive Beth Webel (Toronto) Nadja Ibrahim (Calgary) Agenda Canadian death tax regime US estate tax regime US citizens moving to Canada
More informationBusiness Immigrants Entrepreneurs Findings from the Longitudinal Immigration Database (IMDB)
IMDB 2008 Research Series Economic Class For internal use only IMDB 2008 Immigration Category Profiles Business Immigrants Entrepreneurs Findings from the Longitudinal Immigration Database (IMDB) March
More informationBusiness. Small. Banking
26 Public Accountability Statement CIBC has been an important part of the Keelan family business for more than 50 years. For third-generation business owner Joyce Keelan, pictured with CIBC Branch Manager
More informationThe Number of Businesses in Alberta is Gaining Momentum
ECONOMIC COMMENTARY The Number of Businesses in Alberta is Gaining Momentum Highlights: The number of businesses in Alberta reached record-levels in 2012, with over 154,000 now having at least one employee.
More informationBusiness Immigrants Self-employed Findings from the Longitudinal Immigration Database (IMDB)
IMDB 2008 Research Series Economic Class For internal use only IMDB 2008 Immigration Category Profiles Business Immigrants Findings from the Longitudinal Immigration Database (IMDB) March 2012 Economic
More informationEngineers Canada 2012 Membership Survey
Engineers Canada 2012 Membership Survey June 3, 2013 Contents List of Tables... i List of Figures... ii Descriptions of Membership Categories... iii 1 Introduction... 1 2 Membership Composition... 1 2.1
More informationCompetitive Alternatives 2014: Special Report - Focus on Tax
Competitive Alternatives 2014: Special Report - Focus on Tax Focus on Tax is a supplement to the 2014 Competitive Alternatives report, a global report released in March examining significant business costs
More informationBusiness Immigrants Investors Findings from the Longitudinal Immigration Database (IMDB)
IMDB 2008 Research Series Economic Class For internal use only IMDB 2008 Immigration Category Profiles Business Immigrants Investors Findings from the Longitudinal Immigration Database (IMDB) March 2012
More informationCanadian Automobile Insurance Rate Regulators Association (CARR)
Canadian Automobile Insurance Rate Regulators Association (CARR) Business Plan 2009 Table of Contents Index Introduction Vision, Mission, Values Strategic Priorities Strategic Initiatives 2 Introduction
More informationReport September, 2008 How Many is Too Many?
Report September, 2008 How Many is Too Many? A comparative analysis of journeyperson-to-apprentice ratios across Canada Plamen Petkov, Senior Policy Analyst Introduction Canada currently has 13 different
More informationApplication Timeframes: January and April, 2013
Instructions for University of Saskatchewan Medical Residents to Receive Reimbursement for Interest Paid on Government Issued Student Loans from July 2012 to December 31, 2012 & January 1, 2013 to March
More informationHow the practice of medicine is regulated in Canada
Regulatory Bodies The federal government s authority over health care is limited to issues concerning spending, criminal law, patent regulation, aboriginal health services, and matters relating to the
More informationResearch Paper. Funding of Public Personal Injury Compensation Plans
Research Paper Funding of Public Personal Injury Compensation Plans Committee on Workers Compensation April 2011 Document 211038 Ce document est disponible en français 2011 Canadian Institute of Actuaries
More informationDIGITAL ECONOMY ANNUAL REVIEW
DIGITAL ECONOMY ANNUAL REVIEW LABOUR MARKET DIGITAL ECONOMY TALENT ICT 2 0 1 4 THE INFORMATION AND COMMUNICATIONS TECHNOLOGY COUNCIL (ICTC) RESEARCH BY: THE INFORMATION AND COMMUNICATIONS TECHNOLOGY COUNCIL
More informationPalliative Care in Canada
PALLIATIVE CARE IN CANADA CHA S PERSPECTIVE Brief Submitted to the Parliamentary Committee on Palliative and Compassionate Care November 2010 About the Canadian Healthcare Association The Canadian Healthcare
More informationBMO Tax Payment & Filing Service. User Guide
BMO Tax Payment & Filing Service User Guide BMO Tax Payment & Filing Service User Guide This service provides a facility to initiate payroll source deductions, corporate income tax, GST, PST, and Harmonized
More informationHealth Care Coverage and Costs in Retirement
Health Care Coverage and Costs in Retirement Health care coverage and costs should be an important consideration in your retirement planning. You need to have an idea of what coverage you will need and
More informationHow is poverty measured in Canada?
How is poverty measured in Canada? Unlike the United States and some other countries, Canada has no official, governmentmandated poverty line. It is generally agreed that poverty refers to the intersection
More informationNational Retail Report Canada FALL 2015 EDITION. Accelerating success.
National Retail Report Canada FALL 2015 EDITION Accelerating success. Report prepared by Colliers International Consulting James Smerdon Vice President and Director, Retail Consulting DIRECT +1 604 685
More informationSaskatchewan Small Business Profile 2015
Saskatchewan Small Business Profile 2015 October 2015 Ministry of the Economy Performance and Strategic Initiatives Division economy.gov.sk.ca Table of Contents INTRODUCTION... 1 KEY FACTS... 3 1. SMALL
More informationInternationally Educated Medical Radiation Technologists APPLICATION for ASSESSMENT
Internationally Educated Medical Radiation Technologists APPLICATION for ASSESSMENT Discipline for which you are applying: Radiological Technology Magnetic Resonance Nuclear Medicine Technology Radiation
More informationCHAPTER 4. Eye Care in the Private Sector: Innovation at the Service of Patients
CHAPTER 4 Eye Care in the Private Sector: Innovation at the Service of Patients In Canada, it is professionals working essentially in private practices who provide patients with the eye and vision care
More informationWritten Evidence. Whiplash Claims. Response from:
Written Evidence Whiplash Claims Response from: British Vehicle Rental and Leasing Association River Lodge Badminton Court Amersham BUCKS HP7 0DD Contact: Mr Jay Parmar, legal and policy director Phone:
More informationREVIEW OF AUTOMOBILE INSURANCE RATES
REVIEW OF AUTOMOBILE INSURANCE RATES 40 Canadian Cities 10 Provinces September 2003 Provincial Capitals: Auto Insurance Rates (Highest) $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 Toronto,
More informationAND IN THE MATTER OF THE MUTUAL RELIANCE REVIEW SYSTEM FOR EXEMPTIVE RELIEF APPLICATIONS AND IN THE MATTER OF TD ASSET MANAGEMENT INC.
July 28, 2005 IN THE MATTER OF THE SECURITIES LEGISLATION OF BRITISH COLUMBIA, ALBERTA, SASKATCHEWAN, MANITOBA, ONTARIO, QUEBEC, NEW BRUNSWICK, NOVA SCOTIA, PRINCE EDWARD ISLAND, NEWFOUNDLAND AND LABRADOR,
More informationResponse to the Auto Insurance Working Group s Report
Response to the Auto Insurance Working Group s Report Department of Justice and Attorney General June 2012 Table of Contents Background... 3 Response to Auto Insurance Working Group s Recommendations:
More informationInvestment Dealers Association of Canada
2 Investment Dealers Association of Canada Dual Registration of Life Insurance Agents and Securities Salespersons The respective securities and insurance legislation and governing bodies of each of the
More informationNOTICE OF CERTIFICATION FOR SETTLEMENT PURPOSES, SETTLEMENT APPROVAL AND CLAIMS PROCESS IN THE CHOCOLATE PRODUCTS CLASS ACTION LITIGATION
NOTICE OF CERTIFICATION FOR SETTLEMENT PURPOSES, SETTLEMENT APPROVAL AND CLAIMS PROCESS IN THE CHOCOLATE PRODUCTS CLASS ACTION LITIGATION PLEASE READ THIS NOTICE CAREFULLY. IT MAY AFFECT YOUR LEGAL RIGHTS.
More informationFAIRNESS IN INTEREST GRACE PERIOD Eliminating the Interest During a Student s Immediate Post-Loan Grace Period 49% $716
FAIRNESS IN INTEREST GRACE PERIOD Eliminating the Interest During a Student s Immediate Post-Loan Grace Period Currently, at the conclusion of a student loan period, students are given a six month grace
More informationCanada Product Guide. With our Accelerator Program of insured A products we now have bank rate options for your A clients with clean credit.
Canada Product Guide With our Accelerator Program of insured A products we now have bank rate options for your A clients with clean credit. Our dedicated underwriters have the experience to find the solution
More information