Legal Concepts
Liability/DCPD
Accident Benefits
Loss or Damage
Uninsured Motorist
100
This government deals with zoning, by laws, animal control
What is the Municipal government
100
The coverage which will pay for bodily injury or death or property damage that the insured causes a third party and for which the insured is legally liable.
What is Third Party Liability (Section A)
100
$50,000 is payable
What is death of the HOH in NB
100
These are the "r's" in Fether Crawl
What is Riot and Rising Water F - fire C - conveyance E - explosion R - riot T - theft A - aircraft H - hail W - windstorm E - earthquake L - lightning R - rising water
100
In the Atlantic provinces, Uninsured motorist coverage is also known as this.
What is Section D
200
The failure to do what a reasonable and prudent person would do, or doing what such a person would not do.
What is Negligence.
200
Anyone who drives or operates the vehicle with the owner's consent
Who is: considered the insured under the liability section
200
The insured must provide this to the insurer within 30 days of the accident and then within 90 days, provide details of the accident
What is Notice and Proof of Claim
200
This is an old legal phrase meaning your personal effects like clothing, blankets, etc
What is Rugs and Robes
200
Provides uninsured/unidentified compensation in all four provinces for victims of uninsured or unidentified automobiles who have no access to Section D of an Owner's policy
Who is the Facility Association.
300
An innocent third party should not suffer due to a breach of the policy
What is Absolute Liability
300
Payment for out of pocket medical expense
What is an additional agreement of the insurer under liability D - Defend any civil action brought against insured R - Reimburse the insured I - Investigate, negotiate and settle claims P - Pay court costs P - Pay up the minimum limits where the accident occurred N - Not use a defense to a claim
300
A person under the age of 19
Who is a dependant (NB) 18 in the other Atlantic provinces
300
You borrow a friend's vehicle when yours in the shop for servicing
What is Temporary Substitute Auto
300
This fund has been set up in all Canadian provinces for those accidents where there is no coverage (unidentified or uninsured drivers).
What is the Highway Victims Indemnity Fund
400
An insurer who pays to repair an insured's vehicle that was damaged by a third party, has the right to recovery.
What is Subrogation
400
The insurer is irrevocably appointed the insured's attorney
What is an additional agreement of the insured under the liability section
400
$5000 is payable
What is the death of a dependant
400
2 types of theft that are not covered under the exclusions under Section C
What are Conversion Embezzlement and Voluntary parting with title C - Contents R - Radioactive contamination E - Embezzlement (conversion) A - Allowing others to drive while intoxicated T - Tires I - Influence by alcohol or drugs V - Voluntary parting with title or ownership E - Equipment and Tapes (theft by member of household or employee) (pg 6)
400
For property damage claims made either under the Uninsured Motorist Cover or through the applicable Fund, all provinces except Saskatchewan have applied a deductible. Section D in New Brunswick stipulates this amount
What is a $250 property damage deductible
500
Meaning "from the beginning"
What is Ab Initio
500
Contamination of property carried in the auto
What is an exclusion under the liability section D - damage to property I - injury to an employee engaged L - liability imposed liability by any workers compensation L - loss payments under the policy are limited C - contamination of property carried in the auto
500
Suicide or attempted suicide
What is an exclusion under Accident Benefits coverage. R - radioactive materials I - impaired driver N - not authorized by law S - suicide E - entitled to workers comp
500
Two examples are General Average charges and Customs duties
What are: Additional agreements of the insured under section C General Average Charges Fire Department Charges Customs Duties Subrogation Waived Temporary Substitute Auto Garage Operations Loss of use by Theft
500
If there is any right to make a claim against an unsatisfied judgment fund or similar fund
What is an exclusion under Section D C - Coverage available under the liability section of a policy R - Radioactive material U - Unsatisfied judgment fund D - Dependant relative with their own vehicle
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