CUSTOMIZED AUTO INSURANCE
|
|
|
- Dustin Underwood
- 8 years ago
- Views:
Transcription
1 CUSTOMIZED AUTO INSURANCE Leonard Kunka, L.L.B. Thomson, Rogers The Liberal government has recently announced that as part of their commitment to improve the automobile insurance product for Ontario motorists, the government has currently proposed a customized auto insurance policy.
2 PACKAGE minimum limits for liability (currently $200,000.00), the same for compensation for repairs to an owner s own automobile (when the accident is not the owner s fault) protection for oneself and one s family in the case of being hit by an uninsured automobile a minimum level of standard accident benefits, including medical and rehabilitation benefits, attendant care benefits, case manager services in injury cases, funeral benefits and transportation expenses. ACCIDENT S & CREATION OF BUY-UP AND BUY-DOWN S
3 ACCIDENT Income Replacement Death $400/wk $25,000 for spouse $10,000 for dependants S Buy Down Income Replacement Bundle Purchase at $600, $800 or $1,000 $50,000 for spouse $20,000 for dependants ACCIDENT S Buy Down No Dependants Bundle Caregiver $250/wk + $50/wk for each additional dependant $75/wk + $25/wk for each additional dependant for caregiver/dep endant are to a max. of $150/wk Lost Educational Expenses $15,000
4 ACCIDENT Housekeeping and Home Maintenance expenses Expenses of Visitors Damaged Clothing, Hearing Aids, Glasses $100/wk for 2 years except Covered for 2 years except Covered S Buy Down No Minor Losses Coverage Bundle DEPENDANT S ACCIDENT Coverages S Transportation Expenses 50km deductible Non-earner $185/wk $320/wk for student (after 2 years) Medical & Rehabilitation $100,000 med/rehab/ attendant care Attendant Care $72,000 med/rehab/ attendant care Case Manager Services For only Funeral $6,000
5 KRUGER COMMISSION: Most people will simply opt for the cheapest they can purchase. When people decline the optional, they may find that they do not have enough money to pay for necessary medical/rehabilitation expenses or attendant care. Significant public education regarding the options would be necessary. Motorist also cannot rely upon the insurance industry or insurance brokers to properly educate. There is no proof that a customized automobile insurance policy will lead to lower insurance premiums for the average motorist.
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
How To Choose Your Auto Insurance In Ohio
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.
Your Auto Insurance Policy ONTARIO. is Changing
Your Auto Insurance Policy ONTARIO is Changing Your auto insurance policy is changing Your Ontario auto insurance benefits are changing to make your premiums more affordable and provide you with greater
3006-001_ed02E. Ontario accident benefits
3006-001_ed02E Ontario accident benefits TM Trademark used under licence from Northbridge Financial Corporation. All rights reserved. No part of this publication may be reproduced, stored in retrieval
Auto Insurance Buyers Guide
Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop
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
Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk
Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Section 14-1 Insurance Basics Define Risk Management. Define Shared Risk. How do insurance companies
(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
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
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.
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
STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE
STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE Automobile liability insurance coverage pays other motor vehicle drivers
Auto Insurance and Attendant Care
Bayshore Home Health Conference Tuesday, November 23, 2010 Auto Insurance and Attendant Care Presented by: David F. MacDonald, Thomson, Rogers T: 416-868-3155 C: 647-290-7291 Hazel Wood, Rehab Results
AUTO INSURANCE REFORM MORE CHANGES ON THE HORIZON
AUTO INSURANCE REFORM MORE CHANGES ON THE HORIZON Presented by: Teresa (Teri) Mitchell, FCIP, CRM, CLA CIAA Ontario Region 1 st Vice-President On November 2 nd, Ontario Liberal Leader Dalton McGuinty presented
NEW JERSEY AUTO INSURANCE BUYER S GUIDE
NEW JERSEY AUTO INSURANCE BUYER S GUIDE AD9460ARR-0704 American Bankers Insurance Company of Florida American Bankers Insurance Company of Florida 11222 Quail Roost Drive, Miami, FL 33157-6596 NEW JERSEY
SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORISTS COVERAGE
IL U 007 01 07 SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTISTS COVERAGE AND OPTIONAL UNDERINSURED MOTISTS COVERAGE Policy Number: Policy Effective Date: Company: Producer: Applicant/Named Insured:
ST. PAUL PROTECTIVE INSURANCE COMPANY Hartford, CT NEW JERSEY AUTOMOBILE INSURANCE STANDARD POLICY COVERAGE SELECTION FORM
ST. PAUL PROTECTIVE INSURANCE COMPANY Hartford, CT NEW JERSEY AUTOMOBILE INSURANCE STANDARD POLICY COVERAGE SELECTION FORM Name: Policy #: This Coverage Selection Form is for a STANDARD POLICY. See Buyer
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
SOUTH CAROLINA AUTO SUPPLEMENT
AGENCY AGENCY CUSTOMER ID: SOUTH CAROLINA AUTO SUPPLEMENT APPLICANT/NAMED INSURED POLICY NUMBER CARRIER NAIC CODE. OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE
WHERE TO GET MORE INFORMATION AND HELP
WHERE TO GET MORE INFORMATION AND HELP This Buyer's Guide is intended to provide general information to help you make coverage choices. It is not a substitute for the policy language, which governs. Additional
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
STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007]
![STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007]](/thumbs/33/16166863.jpg "STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007]")
STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007] OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE Automobile liability
NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12
NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* 000001/00000 S1347I03 7668 07/23/12 PL-50074 (03-12) Page 1 of 9 WHAT S INSIDE WHERE DO I START?... UNDERSTANDING YOUR POLICY... Types of Coverage
COMMERCIAL PPA EDITION
NEW JERSEY AUTO INSURANCE BUYER S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger Automobiles Written on Commercial Insurance Policies WHAT S INSIDE WHERE DO I START?...PAGE 2 UNDERSTANDING
NEW JERSEY AUTO SUPPLEMENT
AGENCY AGENCY CUSTOMER ID: NEW JERSEY AUTO SUPPLEMENT NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance
Ontario 2010 Automobile Insurance Reforms Registered Insurance Brokers of Ontario Guideline for Best Practices
Ontario 2010 Automobile Insurance Reforms Registered Insurance Brokers of Ontario Guideline for Best Practices June 2010 RIBO Ontario 2010 Automobile Insurance Reforms Guideline for Best Practices This
NEW JERSEY AUTO INSURANCE, BUYER S GUIDE
NEW JERSEY AUTO INSURANCE, BUYER S GUIDE BG-NJ (1/14) WHAT'S INSIDE WHEREDOISTART?...1 UNDERSTANDING YOUR POLICY...2 Types of Coverages Standard and Basic Policies What are Limits and Deductibles? UNDERSTANDING
GEORGIA (To be completed and signed by Named Insured) IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY.
SUPPLEMENTARY COMMERCIAL AUTOMOBILE APPLICATION GEORGIA (To be completed and signed by Named Insured) Name Address IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY.
INSURANCE BASICS (DON T RISK IT)
INSURANCE BASICS (DON T RISK IT) WHAT IS INSURANCE? Risk management tool that limits financial loss due to illness, injury or damage in exchange for a premium Shared Risk- Insurance company collects premiums
SETTLEMENT DISCLOSURE NOTICE
SETTLEMENT DISCLOSURE NOTICE Final Settlement of a Statutory Accident Benefits Claim Bill 164 (For accidents between January 1, 1994 and October 31, 1996) NOTICE AND CAUTION Your insurer is required to
NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner
NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies
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
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.
6 Ways To Save Money On Auto Insurance In Ontario
6 Ways To Save Money On Auto Insurance In Ontario 6 Ways to Save Money on Auto Insurance in Ontario Contents Contents 01 Introduction 03 Auto Insurance 101 Mandatory Coverages 05 Auto Insurance 101 Optional
AUTOMOBILE INSURANCE: THE MINNESOTA NO-FAULT AUTOMOBILE INSURANCE LAW
This document is made available electronically by the Minnesota Legislative Reference Library as part of an ongoing digital archiving project. http://www.leg.state.mn.us/lrl/lrl.asp.~l' ''''d:.,j i.;'~\;
NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have
Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property
Ontario Car Accident Insurance
Ontario Car Accident Insurance Car Accident Insurance in Ontario I was injured in a car accident. What insurance is available to assist me as I recover? There are possibly two main sources of compensation
Industry Loss Development Data for Ontario Private Passenger Automobile Insurance and Estimated Loss Costs
Introduction This document provides information on the analysis of Ontario Private Passenger Automobile loss trend rates, as prepared by FSCO s Chief Actuary, Automobile Insurance Division. The document
NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Jon S. Corzine Governor. Steven M. Goldman Commissioner
NEW JERSEY AUTO INSURANCE BUYER S GUIDE Jon S. Corzine Governor Steven M. Goldman Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies What
General Insurance Definitions:
General Insurance Definitions: Accidental Death Coverage Accidental death coverage is sometimes a part of your auto insurance policy's Personal Injury Protection (PIP) or may be offered as a separate Accidental
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
a consumers guide to No-Fault Automobile Insurance in Michigan
a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured
Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide
and answers about Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide My automobile policy was canceled because I did not pay my premium on time. Is this legal? Yes. If
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
New Jersey AUTO INSURANCE
New Jersey AUTO INSURANCE Buyer s Guide Chris Christie Governor Kim Guadagno Lt. Governor Ken Kobylowski Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market through
Automobile Insurance
1.16.1.L1 Note taking guide Automobile Insurance Total Points Earned 41 Total Points Possible Percentage Risk Name Date Class Consumer Automobile insurance Insurance company Deductible Policy Premium LIABILITY
NEW JERSEY AUTO INSURANCE
NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Richard J. Badolato Acting Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market
What you should know
What you should know when you have been injured in a motor vehicle accident This booklet provides information about insurance benefits and other compensation that may be available to you when you have
What is a definition of insurance?
What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every
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
Your Guide to Auto Insurance Premiums
INSURANCE FACTS for Pennsylvania Consumers Your Guide to Auto Insurance Premiums 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.state.pa.us Pennsylvnaia Insurance Department Website Required
Chapter 22. Buying Insurance
Chapter 22 Buying Insurance Section 1 Insurance Basics I will be able to list some ways to lower insurance costs. The Language of Insurance 1. Insurance policy Policyholder 2. Insurance coverage Exclusions
FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper
DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies
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
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
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
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
NEW JERSEY AUTO STANDARD POLICY COVERAGE SELECTION FORM
IL U 051 11 10 NEW JERSEY AUTO STANDARD POLICY COVERAGE SELECTION FORM Policy Number: Policy Effective Date: Company: Producer: Applicant/Named Insured: This Coverage Selection Form is for a STANDARD POLICY,
LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance
LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up
Coverage Selection Form - Hawaii Important notice about your policy. Please read carefully.
Important notice about your policy. Please read carefully. BODILY INJURY AND PROPERTY DAMAGE LIABILITY LIMITS Bodily Injury (BI) and Property Damage (PD) Liability coverage pays for bodily injury to another
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
How To Get A Medical Insurance Plan For A Motorcycle Accident
TR_Motorcycle_Kit_06-025 KitText.qxd 13-03-13 10:15 AM Page 1 InformatIon KIt for MOTORCYCLISTS Effective: November 1, 2012 What you need to know about your legal rights Personal Injury Litigators since
CANAL INSURANCE COMPANY INDEMNITY COMPANY
CANAL INSURANCE COMPANY INDEMNITY COMPANY GEORGIA SUPPLEMENTAL APPLICATION MUST be completed if Auto Liability Coverage is requested 1. Applicant Name 2. DBA, if any UNINSURED MOTORIST COVERAGE SELECTION/REJECTION
Arkansas. Insurance Department AUTOMOBILE INSURANCE. Mike Beebe Governor. Jay Bradford Commissioner
Arkansas Insurance Department AUTOMOBILE INSURANCE Mike Beebe Governor Jay Bradford Commissioner A Message From The Commissioner The Arkansas Insurance Department takes very seriously its mission of consumer
Allstate Indemnity Company Important Notice
Allstate Indemnity Company Important Notice Special Notice to Minnesota Auto Insureds The following surcharge information effective as of 8/2/2010 is provided to help you better understand your auto insurance
made simple Auto Insurance What s included:
Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently
domicile, including but not limited to Personal Injury Protection (PIP) and Personal Property insurance (PPI), must be carried.
Independent Contractor Insurance Requirements Sample provided by Paul Hanson Partners Specialty Insurance Solutions This document should be reviewed with your broker and attorney and modifications for
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
Auto Insurance in Ontario, Alberta, Nova Scotia, and Newfoundland & Labrador
Auto Insurance in Ontario, Alberta, Nova Scotia, and Newfoundland & Labrador A Market and Regulatory Update September 17, 2015 Ryan Stein, CIP Director of Policy Ontario (1/13) Direct Written Premium (DWP)
SUBMISSION TO THE STANDING COMMITTEE ON GENERAL GOVERNMENT FINANCIAL SERVICES COMMISSION OF ONTARIO
SUBMISSION TO THE STANDING COMMITTEE ON GENERAL GOVERNMENT FINANCIAL SERVICES COMMISSION OF ONTARIO April 15, 2013 Table of Contents SUBMISSION TO THE STANDING COMMITTEE ON GENERAL GOVERNMENT 1. INTRODUCTION...
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
COVERAGE SELECTION FORM - STANDARD POLICY
Policy Number: COVERAGE SELECTION FORM - STANDARD POLICY This Coverage Selection Form is for a STANDARD POLICY, see Buyer s Guide, page 5. A BASIC POLICY with the minimum of required coverages is also
GEORGIA UNINSURED MOTORISTS COVERAGE SELECTION/REJECTION
GEGIA UNINSURED MOTISTS COVERAGE SELECTION/REJECTION IL U 049 01 09 Policy Number: Policy Effective : Company: Producer: Applicant/Named Insured: Georgia law permits you to make certain decisions regarding
Year Month Day TO Year Month Day
Ontario Application for Automobile Insurance - Garage Form (O.A.P. 4) Policy No. Assigned New Policy Renewal Replacing Policy No. Language Insurance Company Broker Ensurco Preferred Insurance Group English
AUTOMOBILE INSURANCE: BEYOND THE NEW BRUNSWICK BORDER
The Canadian Bar Association New Brunswick Branch Mid Winter 2010 Make It Count! February 4-6, 2010 AUTOMOBILE INSURANCE: BEYOND THE NEW BRUNSWICK BORDER Presented By: Richard C. Halpern Partner Thomson,
Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.
AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands
Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance
Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management
Insurance Test - MoneyPower
Insurance Test - MoneyPower Multiple Choice Identify the choice that best completes the statement or answers the question. 1. For the past five years, a person has had a $20,000 whole life insurance policy
A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance
PUBLIC 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
Types of Insurance Grade Level 9-12
1.10.1 Types of Insurance Grade Level 9-12 Take Charge of Your Finances Time to complete: 60 minutes National Content Standards Family and Consumer Science Standards: 1.1.6, 2.1.6, 2.5.4, 2.6.1, 2.6.3,
Auto, Homeowners, Medical and Life Insurance. Dollars and Sense
Auto, Homeowners, Medical and Life Insurance Dollars and Sense Copyright Copyright Texas Education Agency, 2014. These Materials are copyrighted and trademarked as the property of the Texas Education Agency
C14 Automobile Insurance Part 1 (Atlantic Provinces) Addendum April 2013
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,
Selecting an Insurance Provider
Insurance Selecting an Insurance Provider A responsible agent or broker will: Take time to clearly explain your policies and coverage. Review your insurance needs annually to see that your policies are
Business Auto Policy
Business Auto Policy American Family s Business Auto Policy With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers businesses the stability,
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
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
A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner
A Consumer s Guide to: Auto Insurance Choosing and using your auto insurance coverage Washington State Office of the Insurance Commissioner Washington State www.insurance.wa.gov Office of the Insurance
PUBLIC AUTO INSURANCE APPLICATION- PENNSYLVANIA
A. GENERAL STRATFORD INSURANCE COMPANY WESTERN WORLD INSURANCE COMPANY PUBLIC AUTO INSURANCE APPLICATION- PENNSYLVANIA Applicant's Name: Phone #: Contact Person: Address: Garaging Location(s) if different:
Automobile Insurance Grade Level 9-12
Automobile Insurance Grade Level 9-12 Take Charge of Your Finances Materials provided by: Cynthia Barnes, Family and Consumer Sciences Educator, Beaverhead County High School, Dillon, Montana Time to complete:
Home and Automobile Insurance Guide
Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined
Auto insurance basics
Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance
The point of this essay is to learn how to assess risk and put an economic value on it!
Essay 4 1) Write an auto insurance policy for a relative. a)detail the risks involved and how they determine 1) the amount of coverage, and the premium. b) Spread the risk/cost over a larger customer base.
Before we delve into the basic types of insurance, there are several general principles you should understand concerning insurance:
Week Six Tuesday Overview: Insurance Read the Property and Auto Insurance section (No video this session) In today s world, insurance is a necessary part of life. It is used to protect your property, future
Frequently Asked Questions
A consumer information brochure published by the 21 South Fruit Street, Suite 14 Concord, NH 03301 phone: (800) 852-3416 fax: (603) 271-1406 Autos TDD Access: Relay NH 1-800-735-2964 My car has been totaled.
Teens can't wait to get behind the wheel. But it's a costly milestone young, inexperienced drivers face some of the biggest auto insurance premiums.
Teens can't wait to get behind the wheel. But it's a costly milestone young, inexperienced drivers face some of the biggest auto insurance premiums. -Ann Job, Freelance Writer Section VI Insurance 139
Understanding Automobile Insurance
Financial Services Commission of Ontario Understanding Automobile Insurance You have many choices to make when buying automobile insurance. Don t let a lack of information keep you from ensuring you have
AUTO Insurance. Survival Guide. A guide to helping you choose the RIGHT insurance at the RIGHT price. Brought to you by Empire Region Insurance Agency
AUTO Insurance Survival Guide A guide to helping you choose the RIGHT insurance at the RIGHT price. Brought to you by Empire Region Insurance Agency 4 Avis Drive Suite 108 Latham, NY 12110 www.empireregioninsurance.com
Cycling and the Law: Know your Rights!
Cycling and the Law: Know your Rights! Patrick Brown Rights of The Injured Cyclist When a cyclist is struck by a car or truck, the injuries to the cyclist can be significant. It can have a dramatic impact
Roadside Plus. eight popular optional coverages
Roadside Plus eight popular optional coverages Be confident that you have the extra protection and peace of mind you need when you re on the road, whether you re close to home or travelling. Our optional