4/26/11
In Alberta, New Brunswick, Prince Edward's Island and Nova Scotia, laws are somewhat similar to what exists in the United States. The Alberta Voluntary Sector Insurance Council handles matters dealing with the Alberta government and private insurers. All provinces require mandatory minimum coverage, but these do not use direct compensation. Instead, insured accident victims may collect from the other party's insurance.Acidentnefits coverage is required in all areas except Labrador and Newfoundland.This coverage compensates all injured parties regardless of fault. Canada also has universal uninsured automobile vehicle protection. Due to the differences between provinces, insurance coverage varies greatly between motorists. Laws are also always subject to change.
Canada, like the United States, requires that all car drivers have insurance in order to legally drive a vehicle. But, there are other regulations regarding Canadian car insurance that you should understand if you plan on having a car and driving in Canada. Though there are some differences between the provinces, the rules are fairly general and straightforward.
Upon purchasing car insurance in Canada, you will receive a Canadian Inter-Province Motor Vehicle Liability Insurance Card, also known as a "pink card." The pink card is equivalent to a provider-issued insurance card in the United States. You must provide it if requested by a police officer in Canada, and it should be close at hand whenever you are driving. Each province determines its own minimum coverage limits and deductibles for residents.
A government program covers all injury accident claims in Quebec. However, vehicle and property claims inside of Quebec and injury accidents outside of Quebec must be covered by private insurers. Quebec does not allow lawsuits for economic losses above the no-fault accident benefits of one's policy. Quebec also requires direct compensation, meaning that the injured party must receive payments for damages from their own insurance company and should not contact the other party's insurance.
In British Columbia, Saskatchewan and Manitoba, proof of insurance is required before a vehicle registration is issued. Insurance can be purchased either through the government or private insurers. Government insurance provides the basic minimum amount of coverage. Saskatchewan and Manitoba do not allow crash victims to sue for pain and suffering. Manitoba also does not allow lawsuits for economic losses above the no-fault accident benefits.
In Ontario, you can only sue for income loss due to the accident if you meet certain case-specific criteria, and only when injury is very serious. Ontario also allows lawsuits for serious injury and death, but deductibles will be assessed. Ontario, like Quebec, allows users direct compensation.
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