Quote:
Originally Posted by Slava
A major consideration is that many public systems have removed consumer rights. Specifically, many of those are no-fault jurisdictions, where you cannot sue in the event of an accident. I disagree with that, personally, and while the coverage is cheaper, it comes at a cost.
And as far as property damages go, it can't be denied that Alberta has some different issues on that front compared to some other provinces. We don't suffer from the same flooding or similar issues as others do, but we have a significant risk for hail and those events. As a result, enormous amounts can be paid for damages here, impacting your premiums, whether public or private.
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No-Fault just means that you cannot sue the other party. You can still sue your insurance company if they are not delivering the benefits you are supposed to receive... if you can afford it.
Besides, Alberta is already looking at moving to No-Fault (care first) automotive insurance while keeping it private and allowing the prices to skyrocket. We are going to end up paying the largest insurance rates and receiving the worst results.
On the one hand, I agree with eliminating suing from the process. It is a system that benefits people who have the money to afford a lawyer and sue other people and thus puts people at the disadvantage if they cannot navigate the suing process.
On the other hand, how this is being implemented is wrong (as with most things the UCP does). Private insurance companies are not answerable to the people and yet in a no-fault system, the insurance company gets to decide the care and benefits that you receive. Since their motivation is profit, they will always select the worst outcomes for the people and then wait to see who has enough money to sue the insurance company.
The A-NDP should add public insurance to their platform for next election.