CAIB 1 - General Questions- Chapter 6
What is the minimum limit of Third Party Liability available in your province? - Answer-$200,000
How does and insured show proof of financial responsibility in your province? - Answer-Via the "pink
copy" of the certificate of vehicle registration
Identify the Automobile coverages that are available in your province and indicate which are compulsory
- Answer-1) Third party liability - compulsory
2) Accidnet benefits - compulsory
3) Property Damage
Identify a province where Automobile insurance is provided by:
i) Government Insurance
ii) Private Insurance - Answer-1) Government Insursnce: British Columbia, Manitoba and Saskatchewan
2) Private Insurance: Alberta, Yukon and Northwest Territories
, Explain the purpose of the "Unsatisfied Judgement Fund" or similar - Answer-Funds that have been
established for innocent victims of uninsured drivers to provide some level compensation. Another
couple of names for it are Judgement Recovery Fund or the Highway Vicitms Indemnity Fund.
Explain the role of Facility Association in those provinces that do not have government insurance plans -
Answer-To provide coverage for those who are refused insurance by private insurers (Not applicable to
government compulsory provinces)
Breifly outline the operation of any "no fault" insurance plan of the province of your choice - Answer-
The primary purpose of a no fault insurance plan is to provide benefits to persons injured in automobile
accidents, regardless of fault. In Manitoba they have what is called a pure no fault plan this removes the
right of legal action against owners or drivers who cause injury or death to others, instead they claim
compensation from their own insurers.
Explain why the S.A.F No.1 requires the applicants full name and postal address including the country or
district - Answer-It reduces the potential for error that might occur if only the name is known
Identify 5 particulars of the 'Described Automobile' required to be included in the application - Answer-
1) Mode Year
2) Trade name
3) Model or C.C.
4) Body type
5) V.I.N.
What is the minimum limit of Third Party Liability available in your province? - Answer-$200,000
How does and insured show proof of financial responsibility in your province? - Answer-Via the "pink
copy" of the certificate of vehicle registration
Identify the Automobile coverages that are available in your province and indicate which are compulsory
- Answer-1) Third party liability - compulsory
2) Accidnet benefits - compulsory
3) Property Damage
Identify a province where Automobile insurance is provided by:
i) Government Insurance
ii) Private Insurance - Answer-1) Government Insursnce: British Columbia, Manitoba and Saskatchewan
2) Private Insurance: Alberta, Yukon and Northwest Territories
, Explain the purpose of the "Unsatisfied Judgement Fund" or similar - Answer-Funds that have been
established for innocent victims of uninsured drivers to provide some level compensation. Another
couple of names for it are Judgement Recovery Fund or the Highway Vicitms Indemnity Fund.
Explain the role of Facility Association in those provinces that do not have government insurance plans -
Answer-To provide coverage for those who are refused insurance by private insurers (Not applicable to
government compulsory provinces)
Breifly outline the operation of any "no fault" insurance plan of the province of your choice - Answer-
The primary purpose of a no fault insurance plan is to provide benefits to persons injured in automobile
accidents, regardless of fault. In Manitoba they have what is called a pure no fault plan this removes the
right of legal action against owners or drivers who cause injury or death to others, instead they claim
compensation from their own insurers.
Explain why the S.A.F No.1 requires the applicants full name and postal address including the country or
district - Answer-It reduces the potential for error that might occur if only the name is known
Identify 5 particulars of the 'Described Automobile' required to be included in the application - Answer-
1) Mode Year
2) Trade name
3) Model or C.C.
4) Body type
5) V.I.N.
