Courses
Alberta Auto Insurance: The Regulatory Framework
The regulatory structure governing automobile insurance across Canada — mandatory coverages, the role of provincial regulators, and how the frameworks in Alberta, BC, Saskatchewan, Manitoba, Ontario, and Quebec compare.
Standard Automobile Policy Coverage Categories
How the Standard Automobile Policy is organized across Canadian jurisdictions — Section A third-party liability, Section B accident benefits, Section C physical damage coverage, and the SEF endorsements that modify coverage.
Fault Determination Rules and At-Fault Accidents
How fault is determined in Canadian auto insurance claims — the Fault Determination Rules used across common law provinces, how fault affects your insurance record and premiums, and how to dispute a fault determination.
Commercial Auto vs. Personal Auto: Getting the Classification Right
The critical distinction between personal and commercial automobile insurance — when personal auto coverage fails, how fleet programs work, driver management obligations, and what businesses need to know about non-owned vehicle coverage.
When the Other Driver Is Uninsured or Underinsured
What happens when you are injured by an uninsured or underinsured driver in Canada — how DCPD, SEF 44, and provincial uninsured motorist schemes work, and how to navigate the claim when the at-fault driver cannot pay.
Alberta SEF 44 Family Protection Endorsement: Coverage Fundamentals
Analyzing SEF 44 Family Protection Endorsement coverage for a Leduc family claiming $1.2 million in damages from an underinsured commercial truck operator with $200,000 liability limits.