CIP014 - Automobile Insurance Part I

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Last revision date Apr 6, 2020 8:43:09 AM
Last review date Apr 6, 2020 8:43:21 AM

Subject Title
Automobile Insurance Part I

Subject Description
Automobile Insurance Part I. This is a detailed study of automobile insurance in Canada. It deals with legislation related to automobile insurance and policies and regulations, concentrating primarily on personal coverages. The subject gives students an overall view of the different provincial approaches to automobile insurance and some of the problems related to it. Students will deal in detail with Owner Policies.
Pre-requisite: CIP011

Credit Status
One credit

Learning Outcomes
Upon successful completion of this subject the student will be able to:

1. Trace the history of automobile insurance in Canada and show how it has developed to what it is today.

2. Describe the factors that enter into and the process of rate-making.

3. Discuss the underwriting process and its importance.

4. Outline how automobile insurance is provided throughout the provinces.

5. Demonstrate how consumers of automobile insurance are protected in Ontario.

6. Identify and explain legal concepts and legislation that affect automobile insurance in Canada.

7. Discuss "no-fault" concepts as applied to automobile insurance.

8. Describe the legal significance of the automobile application and its function in underwriting and claims

9. Outline the coverages provided under the Ontario automobile policy and regulations and interpret how coverage would apply in hypothetical claims situations involving all parts of the policy discussed in the textbook.

10. Discuss the need for and the coverage provided by a driver's policy.

11. Identify extensions and modifications of cover available by endorsement.

12. Describe the functions and operation of Uninsured Motorist cover and Highway Victims' Indemnity funds.

13. Describe the functions and operation of Facility Association and the Risk Sharing Plan (Quebec) including how premiums and losses are apportioned.

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