C14: Download
Terms | Definitions |
|---|---|
 Identify the TWO (2) distinct legal systems used in Canada. | the common law and Quebec civil law |
| Why is common law also called "judge-made law?" | the principle of precedent based on previous judgments is legally binding in courts |
| What is the Civil Code of Quebec? | the legal system used in the Quebec, it is based on canon law and the customs of the Code Napoleon |
| Give an example of a law that has been enacted with respect to the operation of an automobile by each of the three levels of government in Canada. | municipal - parking bylaws provincial - speed limits federal - criminal code regarding impaired driving |
| What coverages were first provided by automobile insurance policies? | injury and property damage to others |
| Why did the provinces establish mandatory policy wordings for automobile insurance policies? | there was too much fine print in policies |
| How has automobile insurance developed along with the automobile? | increased traffic, more accidents and higher repair costs have led to a complex insurance product |
| In which province is Accident Benefits optional? | Newfoundland and Labrador |
| How is automobile insurance marketed in Canada? | it is sold through either private insurance companies or provincial crown corporations |
| In which provinces is automobile insurance operated by a Crown Corporation? | Saskatchewan, Manitoba and B.C. |
| Who decides on the wording of an automobile policy? | wordings are governed by each province |
| What does SPF, OAP and QPF stand for in automobile policy forms? | SPF - standard automobile policy OAP - Ontario Auto Policy QPF - Quebec Policy Form |
| To what extent, if any, are automobile policies in Canada subject to standard policy forms and standard endorsement forms? | some provinces use different prefixes to identify their policies while government plans require endorsements to be standard and approved form |
| Where crown corporations provide automobile insurance, what takes the place of the insurance policy? | a motor vehicle certificate of registration is issued and serves as the owner's certificate of insurance |
| What are the SIX (6) main automobile policies? | SPF1 - standard auto policy, OAP1 - Ontario Auto Policy (owners policy) SPF2 - coverage for drivers who are driving vehicles they do not own, OAP2 - drivers policy. SPF4 - standard garage auto policy, OAP4 - garage policy |
| Who decides what the rules for the operation of automobiles should be? | Provincial governments |
| What provincial legislation embodies the majority of rules relating to the operation of automobiles? | Ontario highway traffic act |
| Name the THREE (3) distinct types of automobile coverages available. | first party - protected by policy second party - provides the insurance third party - anyone else involved in a motor vehicle accident |
| What is "financial responsibility" as it relates to the operation of automobiles? | it is the ability to pay if responsible for injury |
| How do you file proof of financial responsibility? | an insurer files a certificate with the Registrar of Motor Vehicles showing that a motor vehicle liability policy has been issued |
| What constitutes proof of financial responsibility? | a pink card is a proof of liability policy |
| What is another term for "own damage" coverage? | no-fault is another term for own damage coverage. |