The Fraser Institute: Auto Insurance in Quebec Among Least Expensive in Canada ...
TORONTO, ONTARIO--(Marketwire - Oct. 3, 2011) - While government-run auto insurance monopolies in BC, Saskatchewan, and Manitoba charge some of the highest auto insurance rates in Canada, Quebec consistently has the lowest premiums of any province with government-run insurance, concludes a new study released today by the Fraser Institute, Canada's leading public policy think tank.
The average auto insurance premium in Quebec was just $642 in 2009 (the most recent year for which data are available).Ontario had the highest average premium in 2009 to $ 1 281, followed by British Columbia ($ 1,113), Saskatchewan ($ 1,049) and Manitoba ($ 1,027).
Other provinces, Prince Edward Island had the lowest average premium after Quebec ($ 695), followed by New Brunswick ($ 728) and Nova Scotia ($ 736). Newfoundland and Labrador and Alberta each had an average premium of $ 749.
Neil Mohindra, director of the Fraser Institute's Centre for Financial Policy Studies and co-author of The Personal Cost and Affordability of Automobile Insurance in Canada, 2011 Edition points out that Quebec's public monopoly is restricted to selling basic coverage only, while the private sector delivers 100 per cent of the optional auto insurance market. Additionally, Quebec has a pure "no-fault" system for bodily injuries, which does not allow injured parties to sue at-fault drivers for pain and suffering or additional costs. It also requires lower levels of coverage for bodily injury and third party liability than other provinces.
"Government-run auto insurance monopolies tend to be less efficient at providing auto insurance than a regulated, competitive market, and that's abundantly clear in BC, Saskatchewan, and Manitoba," said Filip Palda, Fraser Institute senior fellow and professor at the École nationale d'administration publique.
"Quebec scores well in affordability despite the presence of a government-run insurer. This is the result of limiting the monopoly to bodily injury coverage, less onerous regulation of premium rates, and lower mandatory coverage that provides consumers with more choice.
Insurance Laws After An Auto Accident - News
The average auto insurance premium in Quebec was just $642 in 2009 (the most recent year for which data are available). Ontario had the highest average premium in 2009 at $1281, followed by BC ($1113), Saskatchewan ($1049), and Manitoba ($1027).
Various issues have been raised regarding insurance companies and how they try to impose some rules on the automotive market. We need to get a clear picture of the insurance market and see where it violates the law, because this has already happened in
A member of Asif Latif's family was treated rudely by a claims adjuster who "tried to get her to admit the accident was her fault." This inspired him to start the After Car Accidents website to offer tips on how to work with insurance companies.
In a White House blog post, she added: "We don't let people wait until after they've been in a car accident to apply for auto insurance and get reimbursed, and we don't want to do that with healthcare." If the Supreme Court takes the case,
More than three months after an accident mangled the couple's 2009 Smart Car, it still sits, disassembled, in Edwin I. Rodriguez's Hialeah body shop — even though their insurance company has paid the mechanic thousands to have it fixed.
How To Find Personal Injury Law Firms After An Auto Accident ...
What would you do if you had a car accident today and the damage you have suffered is not your fault? Although you can get a car insurance yourself, it is important to understand your rights and how you should properly treat the injury and any medical attention required.
Of course, the first thing you should do is seek proper medical attention. And either before or after the trip required to the emergency room to be sure that the responsible party has provided all their contact information and insurance provider information. If the injuries are significant and perhaps will have lasting effects, is advisable to contact a personal injury attorney.
These types of injury law firms that can be found any phone book in most cities are often frowned upon and thought of as an ambulance chasing service. In other words, it is a well known fact that these lawyers profit from other people’s injuries. This may be true, but when you are involved in an accident and are injured due to someone else’s negligence, the benefits of using one of these experienced personal injury law years can be significant. You want to make sure that your long-term health is protected and that any financial compensation that could be due to you can be collected.
One of the benefits of using these types of law firms is that they do not charge a fee simply for a consultation. In fact, if they take your case, there is absolutely no cost involved to you. You see, they only take cases in which they feel they have a very good chance of winning. And before they begin the case, you are required to sign a basic contract with them stating that should they win any settlement for any monetary amount that they will be entitled to a certain percentage. This percentage can range between 30 and 50% in most cases. This of course can become a substantial payment as many personal injury lawsuits are settled for many tens or even hundreds of thousands of dollars. In some cases, there are settlements in the millions of dollars. So you can see how profitable this can be for the personal injury attorney.
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