C14 Automobile Insurance Part 1 (Atlantic Provinces) Addendum April 2013

Size: px
Start display at page:

Download "C14 Automobile Insurance Part 1 (Atlantic Provinces) Addendum April 2013"

Transcription

1 C14 Automobile Insurance Part 1 (Atlantic Provinces) Addendum April 2013 (To be used with 2009 edition of the text.) Note: This addendum addresses recent changes to automobile insurance in Nova Scotia, and also incorporates the previous addendum for this text, issued in February Study 3, page 5 The section entitled Combined No-Fault for Injury and Vehicle Damage has been changed to the following: Direct Compensation for Property Damage Direct compensation for property damage (DCPD) allows insured drivers to be compensated by their own insurer for property damages resulting from an automobile collision caused by another party. Working with their own insurer allows drivers involved in an automobile collisions to complete the claims process more efficiently and get appropriate compensation quickly. This system is in place and works well in Ontario, New Brunswick and Quebec. Nova Scotia s new DCPD system will be based on New Brunswick's model. Introducing DCPD in Nova Scotia will not change a consumer s right to sue for other damages. Those rights are maintained under the tort system. Study 5, page 3 Insert the following as a sub-section under the heading Nova Scotia: Limited Liability and New Priority of Pay Rules for Rental Companies The liability of rental and leasing companies for a collision caused by the driver of a rental vehicle will be limited to damages of up to $1 million. Damages above $1 million will be the responsibility of the individual at fault. This reform applies to rental companies and leasing companies that do not offer the option to purchase the vehicle at the end of the lease. Under new priority of pay rules, insurance held by the person renting or leasing the vehicle will respond first, followed by that of the driver (if the driver is not the same person who rented the vehicle), followed by the rental or leasing company's insurance, up to a value of $1 million. Addendum for C14 (Atlantic) 2009ed April 2013 Page 1 of 10

2 Study 5, page 5 The title of the section at the bottom of the page and the first sentence of the section has been changed to the following: Section A.1 Direct Compensation Property Damage (New Brunswick and Nova Scotia) In 2005, New Brunswick introduced Direct Compensation Property Damage coverage under Section A.1 of the S.P.F. No. 1, and Nova Scotia did the same in April Study 5, page 9 The following Sentence has been added to the end of the second paragraph in the section under the heading Policy Limits: There is also a limit on awards for pain and suffering in Nova Scotia. Study 5, page 10 Review Question 4 has been changed to the following: 4. State TWO (2) defenses to absolute liability available to insurers? Study 6, page 3 The section entitled Newfoundland, Nova Scotia, and Prince Edward Island Accident Benefits has been replaced with the following The following sections contain general descriptions of the various types of Accident Benefits available to insureds in New Brunswick, Newfoundland, Nova Scotia, and Prince Edward Island. Table 6.1 Accident Benefits Coverage Limits in Atlantic Provinces, following this discussion, lists the various coverage limits and definitions applicable to coverage for the provinces individually. Medical, Rehabilitation, and Funeral Expenses (Subsection 1) This subsection covers reasonable expenses for medical, surgical, dental, ambulance, hospital, nursing, and rehabilitation costs that are deemed essential by the insured s physician, as well as the insurer s medical advisor. These expenses must be incurred within four years of the date of the accident, and must not be covered by provincial or private health plans. Coverage expires the sooner of when the four-yearperiod expires, or the maximum coverage limit is reached. Death Benefits and Loss of Income (Subsection 2) Death Benefits Payment of a death benefit is provided by this subsection for death that occurs within 180 days of the accident as a result of injuries sustained in the accident, or within 104 weeks if there is continuous disability for that period. Differing amounts are paid depending on the status of the deceased person in the household and if a spouse or dependent(s), or both, survives. The definitions dependents vary from province-to-province, and are included in Table 6.1 for reference. Loss of Income Benefits Insureds who sustain injuries in an automobile accident that keep them from working and earning a living may qualify for loss of income benefits. The benefits pay for 80% of the insured person s weekly income less income available from other sources including Employment Insurance, sick leave benefits, Addendum for C14 (Atlantic) 2009ed April 2013 Page 2 of 10

3 part-time employment, etc. subject to a maximum weekly limit. To qualify for loss of income benefits, insureds must meet certain criteria outlined in the policy. The duration of loss of income payments is determined by an insured s inability to return to work. Benefits are paid for the first 104 weeks (two years) if the insured suffers substaintial inability to perform the essential duties of his or her occupation. Benefits continue after 104 weeks if the insured establishes that the injury continuously prevents him or her from engaging in any occupation for which the insured is suited by education, training, or experience. Benefits for Principal Unpaid Housekeeper A benefit is available to insureds who acted as a principal unpaid housekeeper at the time of the accident, and are unable to perform any of their household duties following an accident. This benefit covers the cost of payments for housekeeping services snow removal, mowing the lawn, etc. Insureds cannot qualify for weekly loss of income payments and housekeeping expenses; it has to be one or the other. Table 6:1 Accident Benefits Coverage Limits in Atlantic Provinces Coverage New Brunswick Newfoundland Nova Scotia Prince Edward Island Subsection 1 Medical and $50,000 / person $25,000 / person $50,000 / $25,000 / person Rehabilitation person Funeral $2,500 $1,000 $2,500 $1,000 Expenses Subsection 2 Death Benefits Death of head of household: $50,000 Death of spouse of head of household: $25,000 Death of dependent: $5,000 For 2 or more survivors add $1,000 for each survivor other than the first after death of head of household Death of head of household (or spouse of): $10,000 Death of dependent: $2,000 For 2 or more survivors add $1,000 for each survivor other than the first after death of head of household Death of head of household (or spouse of): $25,000 Death of dependent: $5,000 For 2 or more survivors add $1,000 for each survivor other than the first after death of head of household Death of head of household (or spouse of): $10,000 Death of dependent: $2,000 For 2 or more survivors add $1,000 for each survivor other than the first after death of head of household Dependent defined as A dependent person under 19, living in the household A dependent person 19, or older, who is mentally or physically infirm, or who attends school, college, or A dependent person under 18, living in the household A dependent person 18, or older, who is mentally or physically infirm, or who attends college or university A dependent person under 18, living in the household A dependent person 18, or older, who is mentally or physically infirm, or who attends college or A dependent person under 18, living in the household A dependent person 18, or older, who is mentally or physically infirm, or who attends college or Addendum for C14 (Atlantic) 2009ed April 2013 Page 3 of 10

4 Loss of Income university fulltime 80% gross weekly income Max weekly benefit: $250, for up to 104 weeks $100/week for up to 52 weeks for principal unpaid housekeeper full-time 80% gross weekly income Max weekly benefit: $140, for up to 104 weeks $70/week for up to 12 weeks for principal unpaid housekeeper university full-time A dependent parent or relative of the head of the household (or spouse), living in the household 80% gross weekly income Max weekly benefit: $250, for up to 104 weeks $100/week for up to 52 weeks for principal unpaid housekeeper university full-time 80% gross weekly income Max weekly benefit: $140, for up to 104 weeks $70/week for up to 22 weeks for principal unpaid housekeeper Examples Death Benefits i. The head of the household in Prince Edward Island dies, leaving a spouse and one dependent survivor. The following benefit is payable: Benefit for death of head of household = $10,000 Benefit for additional survivor = $1,000 Total = $11,000 ii. The single 21-year-old head of the household in Nova Scotia dies leaving her widowed mother who lives in the same household and was principally dependent. The following benefit is payable: Benefit for death of head of household = $25,000 iii. The head of the household in New Brunswick, his spouse, and a dependent child die, leaving two dependent children. The following benefit is payable: Benefit for death of head of household = $50,000 Benefit for death of spouse = $25,000 Benefit for death of dependent = $5,000 Benefit for additional survivor = $1,000 Total = $81,000 Study 6, page 7 Insert the following after the section entitled Supplemental Benefits Respecting Accidents Occuring in Quebec (Subsection 2A) Nova Scotia and Prince Edward Island : Diagnostic and Treatment Protocols for Minor Injuries in Nova Scotia Addendum for C14 (Atlantic) 2009ed April 2013 Page 4 of 10

5 As part of its 2013 insurance reforms, Nova Scotia introduced diagnostic treatment protocols for certain types of injuries that meet the definition for minor injuries, including sprains, strains, and certain types of whiplash-associated disorders. This means that insureds who suffer these types of injuries in an automobile collision have direct access to physiotherapy and chiropractic treatment without waiting for approval from an insurer or a physician s referral. (The details of these protocols are beyond the scope of this course.) Study 7, page 8 The paragraph beside the marginal heading Loss of use by theft has been changed to the following: (2) Where the insured purchases All Perils, Comprehensive, or Specified Perils, the insurer further agrees, following a theft of the entire automobile covered thereby, to reimburse the insured for expense not exceeding $25 for any one day nor totaling more than $750 incurred for the rental of a substitute automobile, including taxicabs and public means of transportation. (In Newfoundland, the limits are$30 per day, $900 total.) Study 8, page 2 The last sentence in the paragraph beside the marginal heading Must be legally entitled to recover has been changed to the following: In other words, the insured will recover under the uninsured motorist coverage of his/her own policy only if the uninsured/unidentified motorist was at fault and no Highway Victims Indemnity Fund exists where the accident happened. Study 8, page 7 Review Question 1 has been replaced with the following: 1. Do Highway Victims Indemnity funds (or similar funds) provide compensation for property damage if the responsible owner and/or driver is unidentified? Study 8, page 8 Question 5 on Test. No. 2 has been changed to the following: 5. You were injured by an uninsured motorist from a U.S. state having no Highway Victims Indemnity Fund. Your vehicle is a total loss and your injuries will prevent you from working for at least two months. The accident occurred on a highway in your province of residence, and was completely the other motorist s fault. You have coverage under the SPF 1, including Third Party Liability coverage, Accident Benefits, Uninsured Motorist coverage, and All Perils coverage. (a) How would your insurance policy compensate you for i. the damage to your vehicle? ii. the bodily injuries you have suffered? (b) Can you sue the uninsured motorist who caused the accident to recover damages? If so, would you have any recourse if you are unable to recover the judgment from the uninsured driver? Explain. (c) What coverage would be available to you if you were a pedestrian who was injured by the uninsured motorist and you do not have access to Uninsured Motorist coverage? Addendum for C14 (Atlantic) 2009ed April 2013 Page 5 of 10

6 (5 marks each = 15 marks) Study 9, page 3 The sentence above the last paragraph on the page has been changed to the following: These definitions apply to Sections A, B, C, and D of the policy. Study 9, page 4 The sentence following the definition of a Temporary Substitute Automobile has been changed to the following: This definition applies to Sections A, B, and D of the policy. The paragraph beside the marginal heading Other non-owned automobiles has been changed to the following: For Section A, B, and D coverage only, any borrowed vehicle is covered, other than the one described, while driven by the insured or by his or her spouse, provided that, Study 9, page 5 The marginal heading Permission granted to pull trailers has been moved to beside item (f). Study 9, page 6 The first paragraph under the heading War Risks Excluded has been changed to the following: The insurer shall not be liable under Section B, C, or D for any loss, damage, injury, or death caused directly or indirectly by bombardment, invasion, civil war, insurrection, rebellion, revolution, military or usurped power, or by operation of armed forces while engaged in hostilities, whether war be declared or not. Study 10, page 6 The second sentence in the paragraph beneath item (c) has been changed to the following: The time it takes to forward the writ to the insurer is very important because only 10 days (20 days in N.B.) is allowed after service of a writ to enter an appearance, after which the Plaintiff can apply to the court for a Default Judgment. Study 10, page 12 The last sentence of the first paragraph has been changed to the following: In the Atlantic Provinces, the time period is two years, except in Nova Scotia, where it is three years. Study 11, page 11 The section under the heading Loss of Use has been changed to the following: Loss of use by theft covered by Section C igher limits and dditional perils The Additional Agreements under Section C provide coverage for loss of use of the automobile due to theft. This coverage reimburses insureds for expenses incurred for renting a substitute automobile or for using taxis or public transportation, up to a daily limit and total limit per occurrence. Insureds who desire additional coverage for loss of use may purchase a transportation replacement endorsement for an additional premium. It provides a higher limit per day and per occurrence for renting a substitute automobile or taking taxis or public transportation, and covers Addendum for C14 (Atlantic) 2009ed April 2013 Page 6 of 10

7 loss of use of the automobile arising out of any peril covered by the physical damage section of the policy. Insureds may be able to choose a limit per day and per occurrence, or their insurers may have standard limits. These limits will then be stated in the endorsement. Study 11, page 12 point iii (at the bottom of the page) has been changed to the following: iii) If the lienholder knows of a misrepresentation or other breach of policy conditions, it must notify the insurer within 15 days of learning of it. Study 12, page 6 The second-last sentence of the paragraph beside the marginal heading Private section insurers has been changed to the following: The government insurers must, and do, provide basic coverages as well as certain extended coverages to such vehicles. Study 13, page 4 The following subsection was inserted at the end of the section entitled Drivers: Prohibited Risk Classification Factors Due to legislative changes, insurers in New Brunswick, Newfoundland, and Nova Scotia can no longer use age or marital status as underwriting variables. Insurers in Newfoundland are also prohibited from using gender, marital status, and whether the driver has other policies with the Facility Association as reasons to refuse coverage. In Nova Scotia, insurers will no longer be permitted to use at fault accidents as a rating variable if no payment has been made by the insurance company. Insurers who incur expenses as a result of a claims notification of their insured cannot consider this a claims payment for rating purposes. Study 13, page 10 British Columbia and Prince Edward Island have been added to the list of provinces with rate boards. Study 13, page 11 British Columbia and Prince Edward Island have been deleted from the list of provinces without rate boards. Study 15, page 5 The first sentence in the paragraph beneath the heading Income Replacement has been changed to the following: Income replacement benefits are determined by using a percentage of the net income of the victim. Study 15, page 8 9 The second paragraph beneath the heading Fonds d indemnisation has been replaced with the following: A victim sustaining property damage, and in some cases bodily injury, who has obtained a final judgment in Quebec following an automobile accident that occurred in Quebec may apply to the Fonds. Payments are limited to $50,000 per accident The Société pays compensation up to $10,000 for property damage to a vehicle. All compensation payable for property damage is subject to a $500 deductible set by regulation. For damage caused to a vehicle, the deductible will be the higher of Addendum for C14 (Atlantic) 2009ed April 2013 Page 7 of 10

8 $500 for a vehicle valued under $5,000 on the day when the accident occurred; or 10% of the worth of a vehicle valued $5,010 or more on the day of the accident. In the box The Fonds d indemnisation, the last sentence has been changed to the following: Limit of compensation: $50,000 and a $500 deductible for property damage. Study 15, page 10 The paragraph beside the marginal heading Plan de répartition des risques has been replaced with the following: The purpose of the P.R.R. is similar to the risk sharing pools managed by the Facility Association in other provinces. Both allow participating insurers to share the underwriting profit or loss and administrative costs of the pooled risks. However, in Quebec, insurers may transfer any risk they have accepted through the regular market that does not meet their minimum underwriting standards. In other provinces, insurers transfer risks that meet their underwriting rules, but present higher than average risk of loss. (This topic is discussed in more detail in a previous chapter.) Bullet (b) and the marginal heading Aprraisal centres has been replaced with the following: Damage appraisal (b) to oversee collision repair appraisal; Under the Automobile Insurance Act, the G.A.A. has created a network of appraisal centres, which are subject to its standards, procedures, and regulatory measures. The goal is to keep premiums reasonable, and to minimize compensation costs by using precise and professional appraisal techniques. Study 15, page 12 The following section has been inserted beneath the bulleted list: The Québec Automobile Insurance Application Application provides essential rating information The application contains the information required to underwrite, rate, and issue the policy. In Quebec, the insurer must supply a true copy of the application to the insured when the policy is issued, so great care must be taken to ensure that all questions are answered and all the necessary information has been obtained. The information required is the same whether it is received in writing or taken over the telephone. The application form itself is not regulated in Quebec, so questions found in applications can vary slightly from one insurer to another. However, the Declarations derived from it are standard for all insurers. Signed application Generally in Canada, insurers are not required to obtain signed applications before issuing automobile policies. Whether an application is signed by the insured, the insurer must still send the insured a copy of the completed application form. In Quebec, the insurer s obligations are detailed in the Civil Code. Addendum for C14 (Atlantic) 2009ed April 2013 Page 8 of 10

9 Discrepancies If there are any differences between the application and the policy, the insurer must draw special attention to these differences in a separate written document to the client. If a policy is not identical to the application and the insured is not properly notified, the insured can demand that the coverage requested in the application be provided. For example, if the application specified a $500,000 limit for Civil Liability coverage but the policy was issued for $200,000, the insured is entitled to be insured for $500,000. Burden of proof rests with insurer The burden of proving any misrepresentation or a failure to disclose required facts rests with the insurer. If the insured misrepresents the facts, it will be easier for the insurer to prove it if the application has been signed by the client and contains the misleading or deceptive statement. Study 15, page Numbers have been deleted beside points in The Q.P.F. 1 list and beside the headings in the sections following it. Study 15, page 13 The section entitled 1. Declarations has been replaced with the following: Declarations This part contains the main items of the application. It identifies the names of the parties, describes the risk, identifies the coverages, and identifies other information relevant for underwriting the risk. Seven items are considered within the Declarations: Item 1 identifies the insured and where the vehicle will be principally operated. Item 2 identifies the policy period. All policies go into effect and expire at 12:01 A.M. standard time at the insured s address. Item 3 identifies the vehicle information and rating criteria. It also contains the names of lienholders and other creditors having a financial interest in the vehicle. Under the Civil Code, creditors are required to give notice of their interests and to prove them if necessary. It is not up to the insurer to investigate whether a lien exists on a vehicle before settling a claim. Item 4 specifies the coverages purchased by the insured, the premiums, and the deductibles. Item 5 must be completed if the applicant is not both the registered and the actual owner of the described automobile. Item 6 allows insurers to record two types of information to be used for risk assessment and rating: Spontaneous declarations made by the applicant without being asked a question The formal questions asked by the insurer and the applicant s responses, which can include date of birth, occupation, and employer; use of vehicle; and the driver s past experience relating to driving offenses and past claims The insurer is permitted to ask questions about all relevant issues rather than being tied to the standard questions found in earlier application forms. Information disclosed must be clearly reproduced in the application, which may then be signed by the insured and a copy given to the insured. Addendum for C14 (Atlantic) 2009ed April 2013 Page 9 of 10

10 Item 7, Notice, states that the client and the insured must report all drivers who use the automobile and who do not use it exceptionally. Study 15, pages The sections entitled Application and Declarations and Information Required in an Application have been deleted. Study 15, page 19 The second bullet point (and the list beneath it) under the heading Groupement des assureurs automobiles (G.A.A.) has been changed to the following: The Automobile Insurance Act defines the responsibilities and powers of the G.A.A.: Availability of liability insurance Damage appraisal Direct Compensation Agreement Standard Accident Report Risk sharing Statistical agency Management of the Fichier central des sinistres automobiles Study 15, page 20 In the Organizational Chart Automobile Insurance Act of Quebec, the bullets beneath the heading G.A.A. have been changed to the following: Availability of mandatory insurance QPF 1: Section A Damage appraisal Direct Compensation Agreement Standard Accident Report Risk sharing mechanism Statistical agency Fichier central des sinistres automobiles Study 17, page 6 In Example 1, the amount Kozak recovers has been changed to the following: Kozak: Paid by SGI under Collision $2,300 ($3,000 - $700 deductible) Paid by SGI Canada under Collision 500 ($700 - $200 difference between deductibles) Total recovery $2,800 Addendum for C14 (Atlantic) 2009ed April 2013 Page 10 of 10

C14 Automobile Insurance Part 1 (British Columbia) Addendum February 2010 Revised

C14 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 information

RISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA

RISK 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 information

Quebec Endorsement Form Q.E.F. No. 34 Accident benefits insurance

Quebec Endorsement Form Q.E.F. No. 34 Accident benefits insurance Quebec Endorsement Form Q.E.F. No. 34 Accident benefits insurance The endorsement heading must be entered in the Declarations section of the insurance contract. Details required for the endorsement may

More information

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT COMMERCIAL AUTO CA 22 34 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT For a covered "auto" licensed or principally garaged in,

More information

Ontario Automobile Policy (OAP 1)

Ontario Automobile Policy (OAP 1) Ontario Automobile Policy (OAP 1) Owner's Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after January 1, 2001. About This Policy This is your

More information

SASKATCHEWAN PRESTIGE AUTO INSURANCE

SASKATCHEWAN PRESTIGE AUTO INSURANCE Licence Plate Insurance... 2 Why Plate Insurance Isn t Enough... 3 Added Liability Protection... 4 Family Protection Coverage... 4 Vehicle Damage Deductible... 5 Accident Benefits... 5 Non-Owned Driver

More information

C14 Automobile Insurance Part 1 Ontario

C14 Automobile Insurance Part 1 Ontario Sample Exam C14 Automobile Insurance Part 1 Ontario IMPORTANT The time allowed for this exam is 3 hours. Total marks: 200 You must hand in this paper and any paper used for rough work to the supervisor

More information

SASKATCHEWAN AUTO INSURANCE

SASKATCHEWAN AUTO INSURANCE Accident Benefits... 5 Added Liability Protection... 4 Affordable Premiums... 7 Coverage Summary Charts Commercial Vehicles... 9 Private Passenger Vehicles... 8 Family Protection Coverage... 4 Licence

More information

Ontario Automobile Policy (OAP 1)

Ontario Automobile Policy (OAP 1) Ontario Automobile Policy (OAP 1) Owner's Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after January 1, 2007. About This Policy This is your

More information

Ontario Automobile Policy (OAP 1) Owner s Policy

Ontario Automobile Policy (OAP 1) Owner s Policy Ontario Automobile Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after September 1, 2010. About This Policy This is your automobile insurance

More information

(Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011

(Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011 Insurer (Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011 This is your. Contact your Broker/Agent with any questions or if you require clarification

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA POLICY NUMBER: PERSONAL AUTO PP 05 67 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA With respect to coverage provided by this endorsement,

More information

Ontario Automobile Policy (OAP1)

Ontario Automobile Policy (OAP1) Ontario Automobile Policy (OAP1) Owner s Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after September 1, 2010. About This Policy This is your

More information

Dear Valued Clients, Thank you for making your Insurance Dynamic! Kindest Regards, DYNAMIC INSURANCE BROKERS

Dear Valued Clients, Thank you for making your Insurance Dynamic! Kindest Regards, DYNAMIC INSURANCE BROKERS Dear Valued Clients, The Financial Service Commission of Ontario (FSCO), the provincial government regulator of Auto Insurance is introducing reforms effective September 1, 2010. Periodically (usually

More information

Who will these reforms benefit? Anyone who has auto insurance in Nova Scotia and who has been involved in an automobile accident.

Who will these reforms benefit? Anyone who has auto insurance in Nova Scotia and who has been involved in an automobile accident. Questions and Answers for Consumers Automobile Insurance Reform: Phase 2 General Questions about Phase 2 Reforms Why is the government so interested in reforming auto insurance? Auto insurance had not

More information

FLORIDA PERSONAL INJURY PROTECTION

FLORIDA PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 10 01 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in,

More information

ONYX BUSINESS AUTO POLICY COVERAGE

ONYX BUSINESS AUTO POLICY COVERAGE ONYX BUSINESS AUTO POLICY COVERAGE Various provisions in this policy restrict overage Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy

More information

Alberta Finance and Enterprise - Insurance - Family Protection Endorsement

Alberta Finance and Enterprise - Insurance - Family Protection Endorsement Alberta Finance and Enterprise - Insurance - Family Protection Endorsement Page 1 of 6 Automobile Insurance - S.E.F. No. 44 FAMILY PROTECTION ENDORSEMENT (For Alberta Only) Index Definitions Insuring Agreement

More information

Summary of Important Changes to Your Policy You Now Have More Choice

Summary of Important Changes to Your Policy You Now Have More Choice Summary of Important Changes to Your Policy You Now Have More Choice Recent reforms introduced by the Ontario government will give you more choice over the coverages and price you pay for auto insurance.

More information

AUTOMOBILE POLICY NOVA SCOTIA STANDARD. S.P.F. No. 1 (OWNER S FORM) Effective on and after April 01, 2005. for PLEASE READ THIS CAREFULLY

AUTOMOBILE POLICY NOVA SCOTIA STANDARD. S.P.F. No. 1 (OWNER S FORM) Effective on and after April 01, 2005. for PLEASE READ THIS CAREFULLY S.P.F. No. 1 STANDARD AUTOMOBILE POLICY (OWNER S FORM) for NOVA SCOTIA Effective on and after April 01, 2005 PLEASE READ THIS CAREFULLY 64103-01 (04/05) INDEX Page BODILY INJURIES AND DAMAGE TO OTHER PEOPLE

More information

A Consumer s Auto Insurance Guide

A 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 information

A Consumer s Auto Insurance Guide

A 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 information

S.P.F. No. 1 STANDARD AUTOMOBILE POLICY (OWNER S FORM) for PRINCE EDWARD ISLAND PLEASE READ THIS CAREFULLY

S.P.F. No. 1 STANDARD AUTOMOBILE POLICY (OWNER S FORM) for PRINCE EDWARD ISLAND PLEASE READ THIS CAREFULLY S.P.F. No. 1 STANDARD AUTOMOBILE POLICY (OWNER S FORM) for PRINCE EDWARD ISLAND PLEASE READ THIS CAREFULLY INDEX Page BODILY INJURIES AND DAMAGE TO OTHER PEOPLE S PROPERTY Section A Third Party Liability............................................................1

More information

ALERT ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 INTERNATIONAL

ALERT ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 INTERNATIONAL INTERNATIONAL ALERT September 2010 Issue 45 ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 www.willis.com Over the last few years automobile insurance in Ontario has been a hot topic for both the

More information

S.P.F. No. 1 STANDARD AUTOMOBILE POLICY (OWNER S FORM) for NEW BRUNSWICK PLEASE READ THIS CAREFULLY

S.P.F. No. 1 STANDARD AUTOMOBILE POLICY (OWNER S FORM) for NEW BRUNSWICK PLEASE READ THIS CAREFULLY S.P.F. No. 1 STANDARD AUTOMOBILE POLICY (OWNER S FORM) for NEW BRUNSWICK PLEASE READ THIS CAREFULLY INDEX BODILY INJURIES AND DAMAGE TO OTHER PEOPLE S PROPERTY...1 Section A Third Party Liability...1 Additional

More information

Newfoundland Standard Automobile Policy (S.P.F. No. 1)

Newfoundland Standard Automobile Policy (S.P.F. No. 1) Newfoundland Standard Automobile Policy (S.P.F. No. 1) Index Section A Third Party Liability... 1 Bodily Injuries and Damage to Other People s Property... 1 Additional Agreements of Insurer... 1 Agreements

More information

DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE

DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE Note: 1. All elements are data fields unless otherwise stated. 2. 'Text' elements must use the exact words and be printed with every certificate. 3.

More information

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION We agree with you, subject to all the terms of this endorsement and to all of the terms of the policy unless modified

More information

The Road Ahead A Planned Approach to Auto Insurance Solutions

The 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 information

New Wordings of Automobile Insurance Forms Effective February 1 st, 2010

New Wordings of Automobile Insurance Forms Effective February 1 st, 2010 New Wordings of Automobile Insurance Forms Effective February 1 st, 2010 Since 2005, the Groupement des assureurs automobiles has been revising the automobile insurance forms. As the revision has now been

More information

LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY)

LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY) POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 19 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE

More information

INSURING AGREEMENTS SECTION A THIRD PARTY LIABILITY BODILY INJURY TO OR DEATH OF ANY PERSON OR DAMAGE TO PROPERTY

INSURING AGREEMENTS SECTION A THIRD PARTY LIABILITY BODILY INJURY TO OR DEATH OF ANY PERSON OR DAMAGE TO PROPERTY INSURING AGREEMENTS Now, therefore, in consideration of the payment of the premium specified and of the statements contained in the application and subject to the limits, terms, conditions, provisions,

More information

AUTOMOBILE INSURANCE COVERAGE FOR NS HOPA SUBSCRIBING MEMBERS

AUTOMOBILE INSURANCE COVERAGE FOR NS HOPA SUBSCRIBING MEMBERS Risk Management Bulletin for Subscribing Members January 2014 AUTOMOBILE INSURANCE COVERAGE FOR SUBSCRIBING MEMBERS Insurance coverage provided by and Aviva to Subscribing Members includes automobile liability

More information

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3.

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3. TITLE 13 CHAPTER 12 PART 3 INSURANCE MOTOR VEHICLE INSURANCE UNINSURED AND UNKNOWN MOTORISTS COVERAGE 13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1

More information

Concerning the Cap on Pain and Suffering Awards for Minor Injuries

Concerning the Cap on Pain and Suffering Awards for Minor Injuries Discussion Paper Concerning the Cap on Pain and Suffering Awards for Minor Injuries Office of the Superintendent of Insurance January, 2010 Introduction The Province of Nova Scotia regulates automobile

More information

Nova Scotia College of Art & Design

Nova Scotia College of Art & Design Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document

More information

No-Fault Concepts in Automobile Insurance

No-Fault Concepts in Automobile Insurance The Insurance Institute of Canada www.insuranceinstitute.ca C14 Automobile Insurance Part 1 (Ontario) Textbook Addendum Revised September 2010 (To be used with the 2009 edition.) Study 1, page 12, replace

More information

Ontario Application for Automobile Insurance

Ontario Application for Automobile Insurance Ontario Application for Automobile Insurance Driver's Form (O.A.F. 2) Notice to Applicant This is your Application for Automobile Insurance. Check it carefully and notify your Broker/Agent of any errors

More information

MANITOBA PRESTIGE AUTO INSURANCE

MANITOBA PRESTIGE AUTO INSURANCE Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned

More information

Nunavut Territories Standard Automobile Policy (S.P.F. No. 1)

Nunavut Territories Standard Automobile Policy (S.P.F. No. 1) Nunavut Territories Standard Automobile Policy (S.P.F. No. 1) Index Injuries to Other People s Property... 1 Section A Third Party Liability... 1 Agreements of the Insured... 2 Accident Benefits Section

More information

Northwest Territories Standard Automobile Policy (S.P.F. No. 1)

Northwest Territories Standard Automobile Policy (S.P.F. No. 1) Northwest Territories Standard Automobile Policy (S.P.F. No. 1) Index Injuries to Other People s Property... 1 Section A Third Party Liability... 1 Agreements of the Insured... 2 Accident Benefits Section

More information

The Insurance Institute of Canada www.insuranceinstitute.ca. Ontario Automobile Insurance Licensing Supplement Addendum February 2014

The Insurance Institute of Canada www.insuranceinstitute.ca. Ontario Automobile Insurance Licensing Supplement Addendum February 2014 The Insurance Institute of Canada www.insuranceinstitute.ca Ontario Automobile Insurance Licensing Supplement Addendum February 2014 (To be used with the 2014 edition.) Contents, page iii Page numbers

More information

Section 60-1.1 Mandatory provisions.

Section 60-1.1 Mandatory provisions. 11 NYCRR 60-1.1 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER III. POLICY AND CERTIFICATE PROVISIONS SUBCHAPTER B. PROPERTY AND CASUALTY

More information

2 Liability Coverage; Direct Compensation Property Damage (Sections 3 and 6)

2 Liability Coverage; Direct Compensation Property Damage (Sections 3 and 6) 2 Liability Coverage; Direct Compensation Property Damage (Sections 3 and 6) Learning Objectives When you finish this study, you should be able to meet the following objectives: Discuss the legal basis

More information

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....

More information

The Insurance Institute of Canada www.insuranceinstitute.ca. Ontario Automobile Insurance Textbook Addendum August 2010 (revised)

The Insurance Institute of Canada www.insuranceinstitute.ca. Ontario Automobile Insurance Textbook Addendum August 2010 (revised) The Insurance Institute of Canada www.insuranceinstitute.ca Ontario Automobile Insurance Textbook Addendum August 2010 (revised) (To be used with the 2007 edition.) Study 1, page 4, at the end of the excerpt

More information

ALBERTA AUTOMOBILE POLICY

ALBERTA AUTOMOBILE POLICY ALBERTA STANDARD AUTOMOBILE POLICY S.P.F. No. 1 PLEASE READ THIS CAREFULLY INDEX Page BODILY INJURY OR DAMAGE TO PROPERTY Section A Third Party Liability... 1 AGREEMENTS OF THE INSURED... 2 ACCIDENT BENEFITS

More information

Home Model Legislation Commerce, Insurance, and Economic Development. Consumer Choice Motor Vehicle Insurance Act

Home Model Legislation Commerce, Insurance, and Economic Development. Consumer Choice Motor Vehicle Insurance Act Search GO LOGIN LOGOUT HOME JOIN ALEC CONTACT ABOUT MEMBERS EVENTS & MEETINGS MODEL LEGISLATION TASK FORCES ALEC INITIATIVES PUBLICATIONS NEWS Model Legislation Civil Justice Commerce, Insurance, and Economic

More information

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM Form 1.03 July 9, 2014 MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code) Home

More information

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT This endorsement modifies insurance provided under the BUSINESS AUTO COVERAGE FORM The following

More information

OREGON LAWS 2015 Chap. 5 CHAPTER 5

OREGON LAWS 2015 Chap. 5 CHAPTER 5 CHAPTER 5 AN ACT SB 411 Relating to personal injury protection benefits; creating new provisions; and amending ORS 742.500, 742.502, 742.504, 742.506, 742.524 and 742.544. Be It Enacted by the People of

More information

HOW YOUR AUTO POLICY WORKS. Getting more coverage with direct auto insurance in Alberta.

HOW YOUR AUTO POLICY WORKS. Getting more coverage with direct auto insurance in Alberta. HOW YOUR AUTO POLICY WORKS Getting more coverage with direct auto insurance in Alberta. ALBERTA STANDARD AUTOMOBILE POLICY S.P.F. No. 1 PLEASE READ THIS CAREFULLY INDEX Page BODILY INJURY OR DAMAGE TO

More information

WHAT IS INSURANCE? INSURANCE IS RECOVERY

WHAT IS INSURANCE? INSURANCE IS RECOVERY TEACHER S NOTES Purpose: to explore the effect of a car accident on a person s life to recognize the role of insurance as an essential emergency tool for replacement, repair and rehabilitation to explore

More information

New York State Department of Financial Services

New York State Department of Financial Services New York State Department of Financial Services Home Regulation 68 index page In order to assist you in viewing Regulation 68 in its most current form, this webpage has incorporated the text of the 1st

More information

PROPOSED DRAFT AS OF 2/15/11

PROPOSED DRAFT AS OF 2/15/11 PROPOSED DRAFT AS OF 2/15/11 NEW YORK STATE INSURANCE DEPARTMENT REGULATION NO. 68 (11 NYCRR 65) REGULATIONS IMPLEMENTING THE COMPREHENSIVE MOTOR VEHICLE INSURANCE REPARATIONS ACT Subpart 65-0 Subpart

More information

Familiarization Guide. Plain Language Automobile Insurance Policies Q.P.F. No. 1 and Q.P.F. No. 5 So that we understand each other!

Familiarization Guide. Plain Language Automobile Insurance Policies Q.P.F. No. 1 and Q.P.F. No. 5 So that we understand each other! Familiarization Guide Plain Language Automobile Insurance Policies and Q.P.F. No. 5 So that we understand each other! The information contained in this guide is up to date as at March 2013. This document

More information

HOUSE DOCKET, NO. 2366 FILED ON: 1/20/2011. HOUSE... No. 2035. The Commonwealth of Massachusetts PRESENTED BY: Garrett J. Bradley

HOUSE DOCKET, NO. 2366 FILED ON: 1/20/2011. HOUSE... No. 2035. The Commonwealth of Massachusetts PRESENTED BY: Garrett J. Bradley HOUSE DOCKET, NO. 2366 FILED ON: 1/20/2011 HOUSE............... No. 2035 The Commonwealth of Massachusetts PRESENTED BY: Garrett J. Bradley To the Honorable Senate and House of Representatives of the Commonwealth

More information

Motor Vehicle Accident Claims: What are your rights?

Motor Vehicle Accident Claims: What are your rights? Motor Vehicle Accident Claims: What are your rights? If you or a loved one has been seriously injured in a motor vehicle accident, there are a number of critical decisions that must be made. Who will care

More information

Millennium Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833

Millennium Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Millennium Policy Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Fraud Warning Pursuant to California Insurance Code Section 1879.2, you

More information

ALBERTA STANDARD AUTOMOBILE POLICY. S.P.F. No. 1. Approved version PLEASE READ THIS CAREFULLY

ALBERTA STANDARD AUTOMOBILE POLICY. S.P.F. No. 1. Approved version PLEASE READ THIS CAREFULLY ALBERTA STANDARD AUTOMOBILE POLICY S.P.F. No. 1 PLEASE READ THIS CAREFULLY INDEX Page BODILY INJURY OR DAMAGE TO PROPERTY Section A Third Party Liability... 1 AGREEMENTS OF THE INSURED... 2 SECTION B ACCIDENT

More information

QUEBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 1 Owners Form

QUEBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 1 Owners Form QUEBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 1 Owners Form Q.P.F. No. 1 March 1 st, 2014 Table of contents INTRODUCTION... 3 1. DOCUMENTS INCLUDED IN INSURANCE CONTRACT... 3 2. OBLIGATION TO INFORM

More information

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review OFFICE OF INSURANCE REGULATION Property and Casualty Product Review NOTIFICATION OF PERSONAL INJURY PROTECTION BENEFITS YOUR PERSONAL INJURY PROTECTION RIGHTS AND BENEFITS UNDER THE FLORIDA MOTOR VEHICLE

More information

AUTOMOBILE INSURANCE POLICY

AUTOMOBILE INSURANCE POLICY AUTOMOBILE INSURANCE POLICY OKLAHOMA For information regarding the policy, please contact your Shelter Insurance Agent. TO OUR CUSTOMERS PLEASE NOTE Please read this policy carefully. If you have questions,

More information

QUEBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 1 Owners Form

QUEBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 1 Owners Form QUEBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 1 Owners Form Q.P.F. No. 1 1 March 1 st, 2014 Registered trademark of Royal Bank of Canada. RBC Insurance is a registered trademark of Royal Bank of

More information

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 34 12 07 LIQUOR LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage.

More information

HOW YOUR AUTO POLICY WORKS. Getting more coverage with direct auto insurance in British Columbia.

HOW YOUR AUTO POLICY WORKS. Getting more coverage with direct auto insurance in British Columbia. HOW YOUR AUTO POLICY WORKS Getting more coverage with direct auto insurance in British Columbia. BRiTisH columbia automobile PolicY (owner s form) section 2 excess THiRd PaRTY liability and section 3

More information

APPENDIX A CONSULTATION DRAFT. An Act to Amend the Insurance Act

APPENDIX A CONSULTATION DRAFT. An Act to Amend the Insurance Act APPENDIX A March 13, 2014 CONSULTATION DRAFT An Act to Amend the Insurance Act BE IT ENACTED by the Lieutenant Governor and the Legislative Assembly of the Province of Prince Edward Island as follows:

More information

AUTO INSURANCE POLICY

AUTO INSURANCE POLICY AUTO INSURANCE POLICY WHERE TO FIND IT INSURANCE AGREEMENT AND DECLARATIONS GENERAL DEFINITIONS AUTOMOBILE LIABILITY Additional Definitions For This Coverage Coverage Provided Additional Benefits We Will

More information

ONTARIO AUTO INSURANCE GUIDE

ONTARIO AUTO INSURANCE GUIDE Downloaded from www.dbthomasins.com ONTARIO AUTO INSURANCE GUIDE The Insurance Contract Once you know what coverage you want, an insurance contract is established between you and your insurance company.

More information

MARYLAND PERSONAL AUTO SUPPLEMENT

MARYLAND PERSONAL AUTO SUPPLEMENT MARYLAND PERSONAL AUTO SUPPLEMENT AGENCY NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE Mandatory Offer of Increased Liability Coverage for Claims of Family Members at an Additional Premium

More information

IN THE EVENT OF INJURY OR DEATH DUE TO AN AUTOMOBILE ACCIDENT

IN THE EVENT OF INJURY OR DEATH DUE TO AN AUTOMOBILE ACCIDENT Notice to readers regarding accessibility: This document meets the requirements of the Québec government standard for Web accessibility SGQRI 008-02 and is accessible to people with disabilities. All notices

More information

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF)

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF) FACILITY ASSOCIATION Section S Standard Endorsement Forms Notes: 1.No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or on behalf of the Superintendent(s)

More information

VI. Long-Term Disability Program Table of Contents

VI. Long-Term Disability Program Table of Contents VI. Long-Term Disability Program Table of Contents About This Section...1 An Overview of the Long-Term Disability Program...2 Definition of Disability...2 Long-Term Disability Benefit Options...2 Basic

More information

BEAR RIVER MUTUAL INSURANCE COMPANY. Car Owner Policy Non-Assessable UTAH

BEAR RIVER MUTUAL INSURANCE COMPANY. Car Owner Policy Non-Assessable UTAH BEAR RIVER MUTUAL INSURANCE COMPANY Car Owner Policy Non-Assessable UTAH THIS POLICY IS FOR THOSE WHO NEVER USE OR CONSUME ALCOHOL, ILLEGAL DRUGS OR ILLEGAL SUBSTANCES Bear River Mutual Insurance Company

More information

SECURITY NATIONAL INSURANCE COMPANY FLORIDA PERSONAL AUTO POLICY IMPORTANT NOTICE

SECURITY NATIONAL INSURANCE COMPANY FLORIDA PERSONAL AUTO POLICY IMPORTANT NOTICE SECURITY NATIONAL INSURANCE COMPANY FLORIDA PERSONAL AUTO POLICY IMPORTANT NOTICE The named insured has made Security National Insurance Company (hereinafter called the Company) a written application,

More information

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE SUPPLEMENTARY AUTOMOBILE APPLICATION - PENNSYLVANIA (To be completed by the Named Insured or Applicant) Name abc Policy Number (If Not New Business) Address PENNSYLVANIA NOTICE IMPORTANT NOTICE Insurance

More information

AUTOMOBILE CLAIMS PROCEDURES

AUTOMOBILE CLAIMS PROCEDURES AUTOMOBILE CLAIMS PROCEDURES A. AUTO GLASS CLAIMS 1. Report the claim to our Claims Dispatcher in Saskatoon at 653-4232 or use our toll-free number at 1-800-667-3067 for coverage confirmation and instructions.

More information

Accident Benefits Coverage in Ontario

Accident Benefits Coverage in Ontario Accident Benefits Coverage in Ontario June 2007 Accident Benefits Coverage in Ontario Table of Contents If You Are in a Car Crash...1 Specified Benefits...3 Death and Funeral Payments...7 Medical, Rehabilitation

More information

ACCIDENT BENEFITS COVERAGE IN ONTARIO CAR INSURANCE VISIT IBC.CA

ACCIDENT BENEFITS COVERAGE IN ONTARIO CAR INSURANCE VISIT IBC.CA ACCIDENT BENEFITS COVERAGE IN ONTARIO CAR INSURANCE VISIT IBC.CA Accident Benefits Coverage in Ontario Contents If You Are in a Motor Vehicle Collision...2 Specified Benefits...4 Death and Funeral Payments...8

More information

Yukon Standard Automobile Policy (S.P.F. No. 1)

Yukon Standard Automobile Policy (S.P.F. No. 1) Yukon Standard Automobile Policy (S.P.F. No. 1) Index Bodily Injuries and Damage to Other People's Property... 1 Section A Third Party Liability... 1 Agreements of the Insured... 2 Accident Benefits Section

More information

FLORIDA PERSONAL INJURY PROTECTION

FLORIDA PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 10 01 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in,

More information

All about. auto. insurance

All about. auto. insurance All about auto insurance Legal Deposit Bibliothèque et Archives nationales du Québec, 2011 Legal Deposit Library and Archives Canada, 2011 Table of contents Buying auto insurance 4 Who is insured? 4 Who

More information

The unidentified vehicle is a vehicle whose driver or owner cannot be determined.

The unidentified vehicle is a vehicle whose driver or owner cannot be determined. UNIDENTIFIED MOTORIST CLAIMS IN ONTARIO AN OVERVIEW Written Materials by: Elizabeth Iwata, Associate McCague Borlack LLP Presentation by: Elizabeth Iwata Unidentified motorist claims are, at times, challenging

More information

KANSAS PERSONAL INJURY PROTECTION

KANSAS PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 14 02 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in, or

More information

Gold Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833

Gold Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Gold Policy Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Fraud Warning Pursuant to California Insurance Code Section 1879.2, you are hereby

More information

The Insurance Policy for all. Quebecers IN THE EVENT OF INJURY OR DEATH DUE TO AN AUTOMOBILE ACCIDENT

The Insurance Policy for all. Quebecers IN THE EVENT OF INJURY OR DEATH DUE TO AN AUTOMOBILE ACCIDENT The Insurance Policy for all Quebecers IN THE EVENT OF INJURY OR DEATH DUE TO AN AUTOMOBILE ACCIDENT This is not a text of law. For questions of a legal nature, please refer to the Automobile Insurance

More information

Automobile Insurance Guide

Automobile Insurance Guide Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies

More information

WORKPLACE INJURY INSURANCE: Worker s Handbook

WORKPLACE INJURY INSURANCE: Worker s Handbook WORKPLACE INJURY INSURANCE: Worker s Handbook A GUIDE TO YOUR WORKERS COMPENSATION INSURANCE The following information is provided as a basic guide to your Workers Compensation Insurance. For more complete

More information

MANITOBA EXTENSION AUTOMOBILE INSURANCE POLICY

MANITOBA EXTENSION AUTOMOBILE INSURANCE POLICY MANITOBA EXTENSION AUTOMOBILE INSURANCE POLICY Where (a) an applicant for a contract gives false particulars of the described automobile to be insured to the prejudice of the Insurer, or knowingly misrepresents

More information

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM Form 1.03 September 9, 2015 TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code)

More information

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the Changing Tort Reform In Kentucky Christel Siglock By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the number of lawsuits filed, 2) Thus reducing insurance company payouts

More information

MOTOR VEHICLE ACCIDENT VICTIM INSURANCE POLICY

MOTOR VEHICLE ACCIDENT VICTIM INSURANCE POLICY MOTOR VEHICLE ACCIDENT VICTIM INSURANCE POLICY Subject to the coverage, conditions, and exclusions of the insurance and being endorsed hereon, the Company agrees with the Insured as follows:- 1. This Insurance

More information

Presented to the. Board of Commissioners of Public Utilities MELOCHE MONNEX COMMENTS ON

Presented 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 information

Copyright Lerners LLP. HELPING YOU HELP YOUR PATIENTS: Learning about Insurance issues in MVA cases

Copyright Lerners LLP. HELPING YOU HELP YOUR PATIENTS: Learning about Insurance issues in MVA cases Copyright Lerners LLP HELPING YOU HELP YOUR PATIENTS: Learning about Insurance issues in MVA cases MOTOR VEHICLE ACCIDENT LEGISLATION 1. TORT CLAIMS 2. STATUTORY ACCIDENT BENEFITS 3. WHAT IS AN ACCIDENT

More information

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 33 12 07 LIQUOR LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is

More information

RESIDENT LIABILITY COVERAGE POLICY

RESIDENT LIABILITY COVERAGE POLICY Page 1 of 6 RESIDENT LIABILITY COVERAGE POLICY As part of a rental agreement, your your lease requirement. landlord may require you to carry liability coverage. This policy satisfies Definitions We, Us,

More information