The Introduction of No-Fault Insurance System for Insurance Consumer Protection : Focusing on Automobile Insurance

2018 ◽  
Vol 31 (6) ◽  
pp. 2203-2222
Author(s):  
Mi-Hyang Kim ◽  
Yong-Kyun Lee
Keyword(s):  
Consumer Protection ◽  
Automobile Insurance ◽  
Insurance System

scholarly journals LEGISLATION DEROGATING FROM THE QUEBEC CIVIL CODE

2019 ◽  
Vol 14 (2) ◽  
pp. 431-440
Author(s):  
Angers Larouche
Keyword(s):  
Consumer Protection ◽  
Civil Code ◽  
Automobile Insurance ◽  
Consumer Protection Act ◽  
Workmen's Compensation

The author studies how, by the introduction of Statute Law in Civil matters, the Civil Code is been modify. He focuses mainly on the Consumer Protection Act, the Charter of Rights and Freedoms, the Workmen’s Compensation Act, the Automobile Insurance Act, and other Statutes that either derogate, complete or enlarge the scope of the provisions of the Civil Code.

Decision Problems in the Canadian Automobile Insurance System

1972 ◽  
Vol 39 (1) ◽  
pp. 79 ◽  
Author(s):  
Christoph Haehling von Lanzenauer
Keyword(s):  
Decision Problems ◽  
Automobile Insurance ◽  
Insurance System

scholarly journals Auto Insurance as Social Contract: Solving Automobile Insurance Coverage Disputes Through a Public Regulatory Framework

2011 ◽  
Vol 48 (3) ◽  
pp. 715
Author(s):  
Erik S. Knutsen
Keyword(s):  
Social Contract ◽  
Consumer Protection ◽  
Insurance Coverage ◽  
Regulatory Framework ◽  
Automobile Insurance ◽  
Auto Insurance ◽  
The Public ◽  
Public Purpose ◽  
Coverage Decision ◽  
Interpretive Framework

Automobile insurance in Canada is a product with a decidedly public purpose, a social contract. The provincial governments are heavily involved in the creation, regulation, drafting, and operation of the automobile insurance regime in any particular province. This public flavour to Canadian automobile insurance necessarily should affect the way one assesses the availability of insurance coverage in accident situations involving injuries or death. Understanding the limits of automobile insurance coverage for injuries or death in any given accident situation in Canada should be an exercise of interpretation akin to discerning the meaning of a public regulatory instrument with a public purpose, like a statute. This article proposes a novel interpretive framework for Canadian automobile insurance coverage disputes, one which accounts for the public purpose of such insurance and which searches for the true intent behind the language in the coveragegranting instruments. The framework also prompts an assessment of coverage decision consequences in a public compensatory regime and, in instances of coverage ambiguity, solves those ambiguities through basic tools of consumer protection.

Evidence-based Claims Adjudication of Traffic Injury Claims in Ontario: Shifting the Focus from Cost to Care

2020 ◽  
Vol 48 (2) ◽  
pp. 154-164
Author(s):  
Keshini Moodley ◽  
Carol Cancelliere ◽  
Robert Power ◽  
Pierre Côté
Keyword(s):  
Evidence Based Medicine ◽  
Clinical Evidence ◽  
Automobile Insurance ◽  
Evidence Based ◽  
Clinical Interventions ◽  
Insurance System ◽  
Traffic Injury ◽  
Based Medicine

Background.— In the Ontario automobile insurance system, claims adjusters decide whether to approve, partially approve or deny funding for clinical interventions submitted by healthcare practitioners. Typically, these decisions are made based on cost, without considering the evidence on the effectiveness and safety of the interventions. Objective.— Develop an evidence-based claims adjudication framework, which can be used by automobile insurers to integrate clinical evidence into claims adjudication. Method.— We adapted the evidence-based medicine framework developed by Sackett et al1 to develop a framework for evidence-based claims adjudication. Conclusion.— An evidence-based claims adjudication framework may help insurers make claim decisions that will promote recovery of individuals injured in traffic collisions and reduce claims costs. The effectiveness and implementation of the framework needs to be evaluated.

scholarly journals Controlling Automobile Insurance Costs

1992 ◽  
Vol 6 (2) ◽  
pp. 95-115 ◽  
Author(s):  
J. David Cummins ◽  
Sharon Tennyson
Keyword(s):  
Insurance Market ◽  
Personal Injury ◽  
Automobile Insurance ◽  
Auto Insurance ◽  
Insurance System ◽  
Price Increases ◽  
Insurance Costs ◽  
Insurance Price ◽  
Cost Factors ◽  
Profit Rates

We begin by providing an overview of the auto insurance system and the structure of the auto insurance market. We then turn to an analysis of the factors underlying the auto insurance price increases experienced in recent years. We find that the auto insurance inflation of the 1980s was caused primarily by increases in cost factors, especially inflation in the severity of personal injury claims. There is no persuasive evidence that increasing profit rates or expense loadings contributed to inflation in premiums. The paper concludes with recommendations for bringing costs under control.

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