Auto Insurance Reform for Canada's Tort Provinces

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dc.contributor.authorNielson, Normaeng
dc.contributor.authorKleffner, A Eeng
dc.date.accessioned2011-01-27T23:15:56Z
dc.date.available2011-01-27T23:15:56Z
dc.date.issued2004
dc.descriptionArticle deposited after permission was granted by publisher, 01/11/2011.eng
dc.description.abstractDue to its mandatory nature, and because a majority of the population drives, a cost-effective and efficient system of automobile insurance is in the interest of all parties involved. Although a tort system for compensating automobile accident victims works reasonably well for that relatively small number of claimants with serious losses, it does not work very well for the higher volume of relatively minor accidents. In this paper, we suggest means by which Canadian jurisdictions operating a system of tort liability can control costs and improve compensation for accident victims. Suggested reforms focus on improving coordination between public and private-pay aspects of health care; setting first-party benefits at a level which reduces the transaction costs without increasing aggregate costs; reducing or limiting access to payments for compensation for non-economic losses for non-permanent injuries; encouraging an efficient mechanism for dispute resolution; and developing a pricing system that is perceived to be fair by insureds while also providing incentives for safe driving.eng
dc.description.refereedYeseng
dc.identifier.citationKleffner, A. E. and Nielson, N. L. Auto Insurance Reform for Canada's Tort Provinces, Insurance and Risk Management. Vol. 72, No. 1 (April 2004) pp. 91-121.eng
dc.identifier.doihttp://dx.doi.org/10.11575/PRISM/33976
dc.identifier.issn1705-7299
dc.identifier.urihttp://hdl.handle.net/1880/48396
dc.language.isoengeng
dc.publisherHEC Montrealeng
dc.publisher.corporateUniversity of Calgaryeng
dc.publisher.facultyHaskayne School of Businesseng
dc.publisher.urlhttp://neumann.hec.ca/assurances-revue/en/eng
dc.subjectautomobile insuranceeng
dc.subjectinjury accident claimseng
dc.subject.othernon-economic damageseng
dc.subject.otherinsurance price regulationeng
dc.subject.othercoordination between private payers and public health systemeng
dc.subject.othertort reformeng
dc.subject.otherno-fault insurance designeng
dc.subject.otherdispute resolutioneng
dc.titleAuto Insurance Reform for Canada's Tort Provinceseng
dc.typejournal article
thesis.degree.disciplineRisk Management & Insuranceeng
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