Re: [MBZ] Insurance Comparison
On 16/08/2014 9:28 AM, Dan Penoff via Mercedes wrote: Randy, I was chatting with a Canadian guy on one of the other forums I frequent about (aboot?) car insurance. Is it significantly different in Canada compared to the States, or are you familiar with our car insurance system here? Just curious Dan ___ In Manitoba, we have Manitoba Public Insurance Corporation - MPIC or Autopac. A government run monopoly on car insurance. It is no fault so you cannot sue for injuries. They have a chart of some sort so if you lose your hand in an accident, they pay you the same whether you were a car sales man or a surgeon. It started out cheaper than private insurance companies. No idea if it still is. In Winnipeg we pay from about $1200 to $1400 each for my truck, my wife's 07 Accord and the old 300D. It gets switched to storage insurance between Nov 1 and whenever the roads get cleaned up in the spring so I don't pay the full bore on it. That is with a pretty good driving record. They are all registered to my wife. She wrecked the Toyota Avalon a few years back but apart from that, no driving issues so she has a full load of merit points. My elder son moved to Ottawa, Ontario and pays about the same there as he did here for a Mazda 3. Cannot recall what year - must be a 2011 or 2012. That is Ottawa however and I am told if he were in Toronto, he would likely pay about 3 times as much. Here in Manitoba, the rates are lower if you don't live in Winnipeg but only if you don't commute into Winnipeg daily. Ontario has private insurance and a modified no fault system. You can sue for big injuries but not for the small stuff. Saskatchewan has SGI so very similar to our MPIC and BC has BCIC again like MPIC. Alberta remains private insurance. Not sure about Quebec. I think they were first in Canada to have no fault but I don't know as though they have state run monopoly insurance. No real idea what goes on in the Maritimes. Back when we used to sue for damages on auto accident claims, we had to include a claim for medical costs. The state run insurance company would reimburse the state run hospital for costs of treatment in auto accidents so I don't know as though our tax funded medical system made our car insurance any cheaper. Our medical costs were no so high as you generally hear about medical costs in the USA so it may have helped in that regard. How is that for a general answer to your question? Randy ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor.
[MBZ] Insurance Comparison
Randy, I was chatting with a Canadian guy on one of the other forums I frequent about (aboot?) car insurance. Is it significantly different in Canada compared to the States, or are you familiar with our car insurance system here? Just curious Dan ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor.
Re: [MBZ] Insurance Comparison
When I lived in Ontario about 20 years ago, insurance was better and half the cost, at least for me. It was also no-fault. BC in those days had single payer Provencial insurance, it was half what you paid in Ontario. Peter ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor.
Re: [MBZ] Insurance Comparison
I was curious as to whether it was a provincial thing and if they had some form of no-fault, too. I hate no-fault. For one car in Florida I pay as much as what it cost to cover three in Indiana (no no-fault.) Just got my endorsement for the next six months. My S500 and SL500 cost about $600 each with liability and a $500 deductible comprehensive, no collision. Dan On Aug 16, 2014, at 10:35 AM, Peter Frederick psf...@earthlink.net wrote: When I lived in Ontario about 20 years ago, insurance was better and half the cost, at least for me. It was also no-fault. BC in those days had single payer Provencial insurance, it was half what you paid in Ontario. Peter ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor.
Re: [MBZ] Insurance Comparison
I wonder if some of the cost difference between Canada and US is the personal injury coverage (Canada has free healthcare, so that part of auto insurance is far less expensive?). Max Dillon, Charleston SC ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor.
Re: [MBZ] Insurance Comparison
They still have single payer Provincial in BC. Better than most of the stuff below the 49th parallel. You can purchase private to cover special needs, but still seems much less expensive to do that than what I pay in Seattle clay On Aug 16, 2014, at 7:35 AM, Peter Frederick via Mercedes wrote: When I lived in Ontario about 20 years ago, insurance was better and half the cost, at least for me. It was also no-fault. BC in those days had single payer Provencial insurance, it was half what you paid in Ontario. Peter ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor. ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor.
Re: [MBZ] Insurance Comparison
They also have a less litigious society clay On Aug 16, 2014, at 8:01 AM, Meade Dillon via Mercedes wrote: I wonder if some of the cost difference between Canada and US is the personal injury coverage (Canada has free healthcare, so that part of auto insurance is far less expensive?). Max Dillon, Charleston SC ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor. ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com All posts are the result of individual contributors and as such, those individuals are responsible for the content of the post. The list owner has no control over the content of the messages of each contributor.
