C-14 Automobile Insurance Pt 1 Study
1 Guide
Federal Jurisdiction - Answer Matters that effect all of Canada, criminal law;
telecommunications, customs immigration, and fisheries
Provincial and Territorial Legislation - Answer education, property and health. They also do
auto insurance, rules of the road
Municipal - Answer Local matters, zoning animal control, bylaws,
defendant - Answer In civil matters the person or organization that is being sued
Plaintiff - Answer The party who brings legal action against another .
Origin of Auto insurance - Answer When automobiles became more available
more vehicles were on the roads
Roads were improved, resulting in cars moving faster
Increase losses and potential losses evovled to provide protection.
SPF 1 - Answer Standard Owners- Coverage for owned vehicles personal or commercial
SPF2 - Answer Standard Drivers-Drivers driving vehicles they don't own
SPF4 - Answer Standard Garage-Auto related business (sales, garage, repair) coverage for
owned non owned and customer vehicles
SPF6 - Answer Non owned automobile- part of liability on commercial policies. Use and
operation of non owned autos
SPF 7 - Answer Excess Automobile- coverage after exceeding regular limits primarily added
on commercial policies. Umbrella as an example
SPF 8 - Answer Lessors Contingent- For businesses that on on a longer term basis
1 Guide
Federal Jurisdiction - Answer Matters that effect all of Canada, criminal law;
telecommunications, customs immigration, and fisheries
Provincial and Territorial Legislation - Answer education, property and health. They also do
auto insurance, rules of the road
Municipal - Answer Local matters, zoning animal control, bylaws,
defendant - Answer In civil matters the person or organization that is being sued
Plaintiff - Answer The party who brings legal action against another .
Origin of Auto insurance - Answer When automobiles became more available
more vehicles were on the roads
Roads were improved, resulting in cars moving faster
Increase losses and potential losses evovled to provide protection.
SPF 1 - Answer Standard Owners- Coverage for owned vehicles personal or commercial
SPF2 - Answer Standard Drivers-Drivers driving vehicles they don't own
SPF4 - Answer Standard Garage-Auto related business (sales, garage, repair) coverage for
owned non owned and customer vehicles
SPF6 - Answer Non owned automobile- part of liability on commercial policies. Use and
operation of non owned autos
SPF 7 - Answer Excess Automobile- coverage after exceeding regular limits primarily added
on commercial policies. Umbrella as an example
SPF 8 - Answer Lessors Contingent- For businesses that on on a longer term basis
