CIP014 - Automobile Insurance Part I

Outline info
Last revision date 2013-10-01 18:44:58.731
Last review date 2013-11-18 00:15:11.13

Subject Title
Automobile Insurance Part I

Subject Description
Automobile Insurance Part I. This is a detailed study of automobile insurance in Canada. It deals with legislation related to automobile insurance and policies and regulations, concentrating primarily on personal coverages. The subject gives students an overall view of the different provincial approaches to automobile insurance and some of the problems related to it. Students will deal in detail with Owner Policies.
Pre-requisite: CIP011

Credit Status
One credit

Learning Outcomes
Upon successful completion of this subject the student will be able to:

1. Trace the history of automobile insurance in Canada and show how it has developed to what it is today.

2. Describe the factors that enter into and the process of rate-making.

3. Discuss the underwriting process and its importance.

4. Outline how automobile insurance is provided throughout the provinces.

5. Demonstrate how consumers of automobile insurance are protected in Ontario.

6. Identify and explain legal concepts and legislation that affect automobile insurance in Canada.

7. Discuss "no-fault" concepts as applied to automobile insurance.

8. Describe the legal significance of the automobile application and its function in underwriting and claims

9. Outline the coverages provided under the Ontario automobile policy and regulations and interpret how coverage would apply in hypothetical claims situations involving all parts of the policy discussed in the textbook.

10. Discuss the need for and the coverage provided by a driver's policy.

11. Identify extensions and modifications of cover available by endorsement.

12. Describe the functions and operation of Uninsured Motorist cover and Highway Victims' Indemnity funds.

13. Describe the functions and operation of Facility Association and the Risk Sharing Plan (Quebec) including how premiums and losses are apportioned.

Cheating and Plagiarism
Each student should be aware of the College's policy regarding Cheating and Plagiarism. Seneca's Academic Policy will be strictly enforced.

To support academic honesty at Seneca College, all work submitted by students may be reviewed for authenticity and originality, utilizing software tools and third party services. Please visit the Academic Honesty site on for further information regarding cheating and plagiarism policies and procedures.

All students and employees have the right to study and work in an environment that is free from discrimination and/or harassment. Language or activities that defeat this objective violate the College Policy on Discrimination/Harassment and shall not be tolerated. Information and assistance are available from the Student Conduct Office at

Accommodation for Students with Disabilities
The College will provide reasonable accommodation to students with disabilities in order to promote academic success. If you require accommodation, contact the Counselling and Disabilities Services Office at ext. 22900 to initiate the process for documenting, assessing and implementing your individual accommodation needs.


Topic Outline

  • Introduction and development of automobile insurance
  • Legal concepts and no-fault concepts
  • Applications for automobile insurance
  • Third-party liability and accident benefits
  • Loss of or damage to the insured automobile
  • Uninsured motorist coverage
  • General provisions, definitions, and exclusions
  • Statutory conditions or Quebec policy conditions
  • Endorsements
  • Underwriting
  • Automobile insurance rate-making
  • Industry programs for insurance availability
  • Outline of coverages in all provinces other than the student's province of residence

Mode of Instruction
Students learn through classroom lectures, discussions, and question and answer periods.

It is the student's responsibility to save documents, articles and notes that the instructor has provided on Blackboard or in class. Students will not be able to access Blackboard as of the last day of the student's class. 

Prescribed Texts
Textbooks must be purchased directly from the Insurance Institute of Canada (416-362-2588). College fee does not include textbook.

Reference Material

Required Supplies
A notebook, pens, highlighter

Promotion Policy

Grading Policy
A+ 90%  to  100%
A 80%  to  89%
B+ 75%  to  79%
B 70%  to  74%
C+ 65%  to  69%
C 60%  to  64%
D+ 55%  to  59%
D 50%  to  54%
F 0%    to  49% (Not a Pass)
EXC Excellent
SAT Satisfactory
UNSAT Unsatisfactory

For further information, see a copy of the Academic Policy, available online ( or at Seneca's Registrar's Offices.

Modes of Evaluation

Quizzes 8 of 10 35%
Midterm 25%
Final Exam 40%

Those students electing to obtain a credit from the Insurance Institute of Canada (IIC) will write the IIC final exam, which will be written outside of Seneca College. Details regarding the registration process, payment, and date/time/location will be communicated to the class by the Seneca College course instructor. Those students not wishing to pursue the IIC credit will write a Seneca College final exam. In both cases, students who are successful will receive a Seneca College credit.

To obtain the IIC credit: students must achieve a minimum mark of 70% on the term work (counted out of 100) and 55% on the IIC final exam
(counted out of 200) for a combined minimum total mark of 180 out of 300. To obtain Honours, an overall course grade of 80%, including a minimum final exam mark of 80% (240 out of 300) is required.

Approved by: Susan Horne