Bill 100 explained in plain English
Insurance Amendment Act (Minor Accidents and New Drivers), 2013
Ontario legislature bill summary, status, timeline, sponsor, votes, and official sources.
At a glance
Official Legislative Assembly of Ontario snapshot for 40th Parliament, 2nd Session. Representative vote breakdowns appear when the Assembly publishes an Ayes and Nays page for the bill.
Our plain-language take, written for civic education.
Source: By PoliticalData.ca
This bill amends the Insurance Act to prevent insurers from using minor accidents in risk classification for auto insurance rates and to mandate that new drivers receive credit for additional years of driving experience to lower their rates.
Bill 100, the Insurance Amendment Act (Minor Accidents and New Drivers), 2013, amends the Insurance Act. It requires that when insurers determine automobile insurance rates, they must not consider minor accidents. It also requires them to provide lower rates for new drivers by giving them credit for additional years of driving experience under certain conditions. Minor accidents are defined as those causing $2,500 or less in damages, with no injuries or death, and where the insurer was fully reimbursed by the insured party. New drivers may be disqualified from receiving this credit if they have been found at fault for more than 25% in a claim, have been convicted of certain driving offences, or have had their license suspended for non-payment of certain fines. The Act comes into force on a day named by proclamation.
- Requires that insurers' risk classification systems for automobile insurance do not consider minor accidents.
- Requires insurers' risk classification systems to provide lower rates for new drivers by crediting them with additional years of driving experience, subject to certain conditions.
- Defines what constitutes a minor accident for the purposes of automobile insurance.
- Specifies circumstances under which a new driver would be disqualified from receiving additional credited driving experience.
- Amends the Insurance Act to include these new provisions regarding risk classification systems for automobile insurance.
- Automobile insurers in Ontario.
- Drivers in Ontario, particularly new drivers.
- Individuals involved in minor automobile accidents.
- Insurers are obligated not to consider minor accidents when determining automobile insurance rates.
- Insurers are obligated to provide lower rates for new drivers by crediting them with additional years of driving experience.
- New drivers have the right to receive credit for additional driving experience to obtain lower rates, provided they meet certain criteria and are not disqualified.
- The Act comes into force on a day to be named by proclamation of the Lieutenant Governor.
- Potential for lower automobile insurance rates for new drivers.
- Potential impact on how insurers classify risks and set rates based on accident history.
- The bill does not specify penalties or enforcement mechanisms for non-compliance.
- The exact date the Act comes into force is not specified, as it depends on proclamation.
- The full scope of circumstances for disqualifying new drivers from receiving additional credited experience may be further defined by regulations, as indicated by section 417.0.3 (5).
- The bill does not define 'minor accident' beyond the specific criteria listed; other factors are not addressed.
Adds new sections that prevent insurers from using minor accidents in risk classification for automobile insurance rates and require insurers to provide lower rates for new drivers by giving them credit for additional years of driving experience under specified circumstances. Also adds a paragraph to subsection 121 (1) related to prescribing circumstances for subsection 417.0.3 (5).
Source: Section 1 and Section 2 of Bill 100
Generated using AI from official bill text. Not legal advice. It is written by PoliticalData.ca for civic education, automatically checked and spot-reviewed before publishing.
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Vote Summary
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Official sources
Status, sponsor, votes, and timeline on this page are drawn from these official legislative sources and public records. Each summary above is attributed to its own source.
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