Best Cheapest Auto Insurance Companies in Dunlap,California

Auto Insurance in Dunlap, California

Auto insurance is a critical aspect of responsible vehicle ownership in Dunlap, California. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of California.

Understanding Vehicle Coverage in Dunlap

When it comes to vehicle coverage in Dunlap, California, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in California

Car insurance holds paramount importance in California, and Dunlap is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In California, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Dunlap, California involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including California, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Dunlap, California, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Dunlap California Auto Coverage

Understanding the intricacies of auto insurance coverage in Dunlap, California, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by California law, and additional coverage options that residents in Dunlap might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Dunlap have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in California: Every state, including California, has its own set of minimum auto insurance requirements. In California, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Dunlap: While meeting the state's minimum requirements is mandatory, many Dunlap residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Dunlap requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Dunlap California

Affordable Auto Insurance in Dunlap, California is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Dunlap:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including California, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Dunlap.

Dunlap Car Insurance Rates

Car insurance rates in Dunlap, California, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including California, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Dunlap, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Dunlap, California:

Keeping an eye on insurance rate trends in Dunlap is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Dunlap market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Dunlap, California.

Best Auto Insurance Companies in Dunlap

When it comes to securing the best auto insurance in Dunlap, California, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Dunlap residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Dunlap Assurance Services

• Why Choose Dunlap Assurance: Known for its local presence and personalized service, Dunlap Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Dunlap Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Dunlap Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Dunlap, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Dunlap, California

Insuring your vehicle in Dunlap involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Dunlap

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Dunlap residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Dunlap residents.

Tips for Insuring Your Car in Dunlap

Insuring your car in Dunlap, California, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand California's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of California.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Dunlap becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Dunlap California

When it comes to securing auto insurance in Dunlap, California, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Dunlap, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of California's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Dunlap area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Dunlap region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Dunlap:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Dunlap. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Dunlap. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Dunlap not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Dunlap, California

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Dunlap residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Dunlap, California, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Dunlap, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: California's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in California. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Dunlap, California, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Dunlap's unique risks can help vehicle owners make informed decisions about their insurance coverage.

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• Automobile Insurance Premiums Regulation, Alta Reg 124/2004

• Past version: as posted on Nov 13, 2006

• In force

• Repealed, Spent or Not in Force

• No amending legislation available on CanLII

• (Consolidated up to 261/2006)

• ALBERTA REGULATION 124/2004

• Insurance Act

• AUTOMOBILE INSURANCE PREMIUMS REGULATION

• Definitions

• 1    In this Regulation,

•                                  (a)    “Act” means the Insurance Act;

•                                  (b)    “additional coverage” has the same meaning as it has in section 652 (a) of the Act ;

•                                  (c)    “adjust” and “adjustment” mean increase or decrease;

•                                  (d)    “application for basic coverage” includes an application for renewal of basic coverage;

•                                  (e)    “base premium” means the premium determined under Schedule 3 for basic coverage for 12 months, or if for a period of less than 12 months, an amount prorated accordingly;

•                                   (f)    “basic coverage” means insurance provided for under sections 627 and 629 of the Act ;

•                                  (g)    “Board” means the Automobile Insurance Rate Board established under section 653 of the Act ;

•                                  (h)    “freeze order” means Order in Council numbered O.C. 592/2003, as amended from time to time;

•                                   (i)    “grid” means the grid established by Schedule 2;

•                                   (j)    “grid step” means the location on the grid corresponding to a step indicated on the grid;

•                                  (k)    “insurer” means, except in Part 2, an insurer who provides basic coverage for private passenger vehicles;

•                                   (l)    “maximum market premium” means the premium calculated under section 3(2) for basic coverage for 12 months, or if for a period of less than 12 months, an amount prorated accordingly;

•                                 (m)    “new insurer” means an insurer referred to in section 10(1);

•                                  (n)    “policyholder”, except in section 2, means the person who holds a policy for basic coverage in respect of a private passenger vehicle;

•                                  (o)    “private passenger vehicle” means a motor vehicle not weighing more than 4500 kg that is used for

•                                            (i)    pleasure,

•                                           (ii)    driving to or from work or school, or

•                                          (iii)    business purposes, including farming operations,

•                                           but does not include

•                                          (iv)    a motorcycle, power bicycle or moped,

•                                           (v)    a vehicle used for commercial purposes, including, but not limited to,

•                                                  (A)    a vehicle used for transporting individuals for compensation, delivery of goods, courier or messenger service, parcel delivery, meal delivery or driver training,

•                                                   (B)    a vehicle rated under a fleet formula,

•                                                   (C)    a short‑term lease or rental vehicle,

•                                                   (D)    a funeral vehicle, or

•                                                   (E)    a vehicle held for sale or used for demonstration or testing,

•                                          (vi)    an emergency vehicle as defined in section 1(1)(m) of the Traffic Safety Act,

•                                         (vii)    a recreational vehicle,

•                                        (viii)    an antique vehicle registered under the Traffic Safety Act as an antique vehicle, or

•                                          (ix)    an all terrain vehicle, a snow vehicle, a miniature motor vehicle or any other similar off‑highway vehicle;

•                                  (p)    “rates”, when used in relation to a rating program, means the premiums in respect of the rating variables under the rating program that are used to determine the premium to be charged to or collected from a policyholder;

•                                  (q)    “rating program” means the rules, criteria, policies or guidelines of any nature, including rates, used or adopted by an insurer to determine the premiums for either basic or additional coverage, as applicable, to be charged to or collected from a policyholder;

•                                   (r)    “rating variable” means a class of risk for which a rate under a rating program is determined.

• Part 1 Refunds, Premiums for Basic Coverage and Adjustments

• Refunds of premiums for basic coverage

• 2 (1)   In this section, “policyholder” means a person who holds a policy for basic coverage in respect of a private passenger vehicle on October 1, 2004.

• (2)   An insurer must refund to its policyholders with respect to each private passenger vehicle insured under the policy an amount determined in accordance with the following formulas, whichever amount is greater:

•                                  (a)    R = (A ‑ B) x C                365

•                                  (b)    R = (A x C) x 5%                365

• where

•                                  R      means the refund to be provided to the policyholder in respect of the private passenger vehicle;

•                                 A      means the annualized premium of the policyholder for basic coverage in respect of the private passenger vehicle as of October 1, 2004;

•                                  B      means the grid premium in respect of the private passenger vehicle determined under Schedule 1, section 6(2);

•                                  C      means the number of days in the period beginning on October 1, 2004 and ending on the day the basic coverage in respect of the private passenger vehicle expires.

• (3)   Notwithstanding subsection (2), if the policyholder is paying a premium in instalments,

•                                  (a)    the refund payable under subsection (2) must be prorated with respect to the premium already paid, and

•                                  (b)    for the portion of the premium unpaid, the insurer must, in accordance with subsection (2), reduce the amount payable, prorated accordingly.

• (4)   Any refund exceeding $10 to which a policyholder is entitled under this section must be provided to the policyholder by January 31, 2005.

• (5)   Refunds of $10 or less must be provided to the policyholder at the request of the policyholder.

• (6)   A policyholder is not entitled to a refund under this section in respect of a private passenger vehicle if the premium for that vehicle includes an amount that takes into account a criminal code conviction as defined in Schedule 4.

• Maximum premium for basic coverage

• 3 (1)   With respect to basic coverage for a private passenger vehicle coming into effect or renewed on or after October 1, 2004, no insurer may charge or collect a premium of more than

•                                  (a)    the maximum market premium, or

•                                  (b)    the grid premium determined under Schedule 1, section 6(2),

• whichever is less.

• (2)   The maximum market premium for each private passenger vehicle of the policyholder is, subject to subsection (3),

•                                  (a)    during the period October 1, 2004 to June 30, 2005, the premium for basic coverage calculated

•                                            (i)    in accordance with the freeze order, less 5%;

•                                           (ii)    in the case of a new insurer offering basic coverage for private passenger vehicles, in accordance with the rates set by the Board under section 10;

•                                  (b)    during the period July 1, 2005 to October 31, 2005, the premium for basic coverage calculated

•                                            (i)    in accordance with the freeze order, less 11%;

•                                           (ii)    in the case of an insurer whose rates under the insurer’s rating program have been adjusted under section 6, in accordance with those adjusted rates;

•                                          (iii)    in the case of a new insurer offering basic coverage for private passenger vehicles, in accordance with the rates set by the Board under section 10;

•                                  (c)    on and after November 1, 2005, the premium for basic coverage calculated in accordance with sections 4, 5, 6 and 7 or, in the case of a new insurer, in accordance with the rates set by the Board under section 10 and subsequently in accordance with sections 4, 5, 6 and 7.

• (2.1)   For the purposes of subsection (2)(c), in calculating the premium for basic coverage in accordance with sections 4, 5, 6 and 7, the reduction in the freeze order under subsection (2)(b) must be taken into account.

• (3)   Notwithstanding section 4 of the freeze order and notwithstanding that the maximum market premium with respect to basic coverage for a private passenger vehicle is lower than the grid premium determined under Schedule 1, an insurer may charge the grid premium determined under Schedule 1 if any one or more of the following apply in respect of the relevant driver of the vehicle:

•                                  (a)    the relevant driver had 3 or more at‑fault claims during the preceding 6 years;

•                                  (b)    the relevant driver had 5 or more traffic safety convictions in the preceding 2 years;

•                                  (c)    the relevant driver had one or more criminal code convictions in the preceding 3 years;

•                                  (d)    the relevant driver had 2 or more serious traffic safety convictions in the preceding 3 years;

•                                  (e)    the relevant driver was convicted of one or more offences for fraud relating to automobile insurance in the previous 10 years.

• (4)   Repealed AR 261/2006 s2.

• (5)   Terms defined in Schedules 1 and 4 apply to subsection (3).

• AR 124/2004 s3;183/2004;55/2005;261/2006

• Industry‑wide adjustments

• 4 (1)   On or before August 1 in each year, the Board may adjust uniformly on an Alberta automobile insurance industry‑wide basis, in accordance with the criteria described in subsection (3), the rates under rating programs for basic coverage of private passenger vehicles.

• (2)   In accordance with the procedures of the Board, the Board may hear representations with respect to an adjustment under this section.

• (3)   The criteria for an adjustment are

•                                  (a)    the Alberta automobile insurance industry‑wide loss costs, as that term is understood by the Board, for basic coverage for private passenger vehicles;

•                                  (b)    the administrative expenses relating to basic coverage for private passenger vehicles, on an Alberta automobile insurance industry‑wide basis, that the Board considers appropriate to consider, which may include commissions, federal, provincial and municipal taxes and general expenses, as reported in the annual returns submitted by insurers to the Superintendent or a similar regulatory authority in another jurisdiction;

•                                  (c)    other Alberta automobile insurance industry‑wide costs or expenses that the Board considers appropriate relating to basic coverage for private passenger vehicles;

•                                  (d)    any other criteria recommended by the Superintendent and approved by the Board.

• (4)   An adjustment under this section is effective November 1 of the year in which the adjustment is made by the Board.

• (5)   Notwithstanding subsection (4), if the Board increases the rates under a rating program for basic coverage in respect of private passenger vehicles, the increases may be applied by an insurer over a period of not more than 3 years commencing November 1 of the year in which the adjustment is made by the Board.

• (6)   Information about adjustments under subsection (1) must be made publicly available in a manner satisfactory to the Superintendent.

• AR 124/2004 s4;55/2005

• Offsetting adjustments to rating variables

• 5 (1)   On and after November 1, 2005, an insurer may, by notice in writing to the Board, increase, by up to 10% each, the rates for one or more of its rating variables under a rating program for basic coverage for private passenger vehicles if the increases in the rates are offset by reductions in the rates of one or more other rating variables.

• (2)   In making an adjustment under subsection (1), the insurer must ensure that the results of the adjustments are revenue neutral to the insurer, determined on the policies for basic coverage for private passenger vehicles in effect at a point in time not more than 60 days before a notice under subsection (1) is given.

• (3)   A notice under subsection (1) must be accompanied with

•                                  (a)    details of the rates that would apply to each rating variable after applying the adjustments, and

•                                  (b)    an analysis of how the adjustments are revenue neutral.

• (4)   An insurer may not, solely as a result of the adjustments under subsection (1), charge a policyholder on renewal a premium that on an annualized basis exceeds by more than 10% the premium previously charged for basic coverage for private passenger vehicles by that insurer to that policyholder.

• (5)   The information provided under subsection (3) must be verified as accurate by statutory declaration made by an officer of the insurer satisfactory to the Board.

• AR 124/2004 s5;55/2005

• Review of insurer rating program

• 6 (1)   On application by an insurer to the Superintendent, on or after May 1, 2005, to review the rating program of the insurer for basic coverage for private passenger vehicles, the Superintendent may in his or her sole discretion direct the Board to undertake such a review.

• (2)   On completion of the review, the Board, if it determines that an adjustment is appropriate, shall adjust the rates under the rating program for that insurer for basic coverage for private passenger vehicles effective on a date specified by the Board.

• AR 124/2004 s6;55/2005

• Equalization of rate differentials

• 7 (1)   In accordance with procedures established by the Superintendent under section 658 of the Act , and before July 1, 2005, or such later date approved by the Superintendent, each insurer must file with the Board a plan to eliminate any differential in rates in its rating programs for basic coverage identified by the Superintendent with respect to private passenger vehicles.

• (2)   The elimination of the differential referred to in subsection (1) must not commence before November 1, 2005 and must be completed in accordance with the plan by November 1, 2008 in instalments approved by the Superintendent.

• AR 124/2004 s7;55/2005

• Setting of premium

• 8 (1)   For the purposes of section 656 of the Act , the premium set for basic coverage for private passenger vehicles

•                                  (a)    for the period October 1, 2004 to June 30, 2005 is the premium calculated in accordance with the freeze order, less 5%, and

•                                  (b)    for the period July 1, 2005 to October 31, 2005 is the premium calculated in accordance with the freeze order, less 11%.

• (2)   On the receipt of a notice under section 5(1), a determination under section 6(2) and the filing of a plan under section 7, premiums are deemed to have been set for the purpose of section 656 of the Act .

• (3)   Adjustments under sections 4, 5, 6 and 7 are cumulative.

• AR 124/2004 s8;55/2005

• Extension of time

• 8.1    Where an insurer is unable to comply with section 2 or 3 within the time determined by the section, the Superintendent, if satisfied that the insurer had made every reasonable effort to comply or that there were extenuating circumstances, may, subject to any terms and conditions, extend the time by which the section is to be complied with.

• AR 183/2004 s3

• Part 2 Additional Coverage, New Insurers and Information Requirements

• Filing of additional coverage

• 9 (1)   Every insurer that offers additional coverage must file with the Board by February 1, 2005,

•                                  (a)    its rating program for additional coverage, and

•                                  (b)    the rates under the rating program applicable to each type of additional coverage.

• (2)   An insurer, by notice in writing to the Board, may change its rating program for additional coverage or its rates under the rating program for additional coverage.

• (3)   Any proposed increase in rates for additional coverage made before the freeze order ends has no effect until the freeze order has ended.

• AR 124/2004 s9;183/2004

• New insurers

• 10 (1)   An insurer that, under the Act,

•                                  (a)    becomes, on or after October 1, 2004, licensed in Alberta to undertake the class of automobile insurance and intends to offer basic coverage, or

•                                  (b)    is licensed in Alberta to undertake the class of automobile insurance and is not offering basic coverage but, on or after October 1, 2004, intends to begin offering basic coverage

• must file with the Board its rating program for basic coverage for private passenger vehicles and the rates under the rating program.

• (2)   If the Board is satisfied with the material, information, calculations and proposed rates filed with it under this section, the Board must set the rates for basic coverage under the rating program, effective on a date specified by the Board.

• (3)   An insurer that, under the Act,

•                                  (a)    becomes, on or after October 1, 2004, licensed in Alberta to undertake the class of automobile insurance and intends to offer additional coverage, or

•                                  (b)    is licensed in Alberta to undertake the class of automobile insurance and is not offering additional coverage but, on or after October 1, 2004, intends to begin offering additional coverage

• must comply with section 9(1) as soon as practicable, and must comply with section 9(2).

• Information required

• 11    For the purposes of carrying out any of its functions under this Regulation, the Board may

•                                  (a)    require an insurer to provide any information to it that the Board considers necessary if the information can reasonably be obtained taking into account the cost and practicability of doing so;

•                                  (b)    specify the manner and form in which anything required to be filed or provided under this Regulation or required to be provided under clause (a) must be provided to the Board;

•                                  (c)    require anything filed with or provided to the Board to be verified as true and correct by a statutory declaration made by an officer of the insurer satisfactory to the Board.

• Use of prescribed forms

• 12    An insurer must use any form prescribed by the Minister under section 803 of the Act .

• Part 3 Complaint Resolution

• Definitions

• 13    In this Part,

•                                  (a)    “adverse contractual action” has the same meaning as it has in section 613.1(1) of the Act ;

•                                  (b)    “Committee” means the Automobile Insurance Dispute Resolution Committee established by section 18;

•                                  (c)    “General Insurance OmbudService” means the General Insurance OmbudService incorporated under the Canada Corporations Act (Canada);

•                                  (d)    “policyholder” includes an applicant for basic coverage or for renewal of basic coverage.

• Complaint to insurer

• 14 (1)   If a policyholder, with respect to a calculation, a determination, an action or an incident occurring on or after this section comes into force,

•                                  (a)    is not satisfied with respect to the basis on which a premium for basic coverage for a private passenger vehicle was determined under this Regulation, or

•                                  (b)    considers that an insurer, directly or indirectly, has with respect to insurance for basic coverage taken an adverse contractual action contrary to section 613.1 of the Act ,

• the policyholder may make a complaint to the insurer.

• (2)   On receipt of the complaint, the insurer must, in accordance with its policies and procedures and in accordance with regulations made under section 511(2) of the Act , make an attempt in good faith to resolve the policyholder’s complaint.

• Complaint to General Insurance OmbudService

• 15 (1)   If a complaint is not resolved in accordance with section 14, the policyholder may, in accordance with the policies and procedures of the General Insurance OmbudService, apply to the General Insurance OmbudService to have the complaint addressed.

• (2)   The policies and procedures of the General Insurance OmbudService are, for the purposes of this section, those policies and procedures agreed to by the Superintendent and the General Insurance OmbudService.

• (3)   On completion of its process, the General Insurance OmbudService must issue a written report to the policyholder and to the insurer.

• Application for arbitration

• 16 (1)   Within 30 days of receipt of a report from the General Insurance OmbudService, the policyholder may apply to the Committee to refer a matter in dispute with an insurer to arbitration.

• (2)   In accordance with its rules, the Committee must

•                                  (a)    identify the matter in dispute,

•                                  (b)    determine whether

•                                            (i)    a further settlement effort may resolve the issue and, if so, facilitate that settlement effort,

•                                           (ii)    the matter should be referred to arbitration, or

•                                          (iii)    any further action should be taken

•                                      and

•                                  (c)    notify the policyholder and the insurer of its determination.

• Referral to arbitration

• 17 (1)   If the Committee decides to refer a matter to arbitration it must, in accordance with its rules,

•                                  (a)    appoint one or more arbitrators and identify the matter in dispute, and

•                                  (b)    give notice of the appointment to the insurer, the policyholder and the Superintendent,

• and the arbitration is commenced on service of the notice.

• (2)   The Superintendent has the right to attend and make representations in an arbitration.

• (3)   An arbitrator must make an award as soon as practicable, but in any case within the time specified by the Committee’s rules, and send copies to

•                                  (a)    the parties,

•                                  (b)    the Superintendent, and

•                                  (c)    the Committee.

• (4)   An arbitrator may make an award to remedy the matter in dispute, but if damages are claimed the arbitrator may award only compensatory damages.

• (5)   The Arbitration Act as modified by this Part and the Committee’s rules apply to an arbitration conducted under this Part.

• (6)   The fees and expenses of the arbitrator and the arbitrator’s costs in conducting the arbitration shall be set by the Superintendent.

• Automobile Insurance Dispute Resolution Committee

• 18 (1)   The Automobile Insurance Dispute Resolution Committee is hereby established composed of the one or more persons appointed to the Committee by the Minister.

• (2)   If the Committee has more than one member,

•                                  (a)    the Minister must appoint a member as chair, and

•                                  (b)    the chair may designate one or more members of the Committee to act on the Committee’s behalf.

• (3)   The Committee’s function is to seek to resolve complaints under this Part as expeditiously and efficiently as possible, and the Committee may

•                                  (a)    establish mediation or other dispute resolution processes to facilitate settlement of disputes;

•                                  (b)    establish, subject to the approval of the Minister, rules for arbitration proceedings, including

•                                            (i)    providing for electronic hearings and documents‑only hearings when the situation warrants,

•                                           (ii)    specifying the time within which an award must be issued, subject to extension of time by agreement of the parties,

•                                          (iii)    determining responsibility for the payment of the arbitrator’s fees, costs and expenses,

•                                          (iv)    the appointment of arbitrators and the manner in which the Committee decides the matter in dispute,

•                                           (v)    the consolidation of several similar or related matters into one reference to arbitration, or the reference of a representative dispute to arbitration, and

•                                          (vi)    generally, for the procedure and conduct of arbitration proceedings;

•                                  (c)    establish a roster of suitably qualified individuals to act as arbitrators;

•                                  (d)    establish or adopt a code of ethical conduct for arbitrators.

• (4)   With the consent of the Minister, the Committee may delegate any one or more of its functions to another person.

• Part 4 Transitional Provisions, Amendments, Review and Coming into Force

• Application of former Act

• 19 (1)   Sections 652 to 660 of the Act , except section 654 (a), as the Act read immediately before being amended by the Insurance Amendment Act, 2003 (No. 2) continue to apply to the insurance of automobiles other than private passenger vehicles.

• (2)   For the purposes of the provisions referred to in subsection (1), “Board” means the Alberta Automobile Insurance Board until the Automobile Insurance Rate Board is established.

• (3)   On the establishment of the Automobile Insurance Rate Board, that Board has the duties and functions of the Alberta Automobile Insurance Board under the provisions of the Act referred to in subsection (1).

• Transitional

• 20    A classification of automobiles

•                                  (a)    approved by the Alberta Automobile Insurance Board, or

•                                  (b)    filed with the Alberta Automobile Insurance Board for 60 days that is neither approved or disapproved by that Board

• under section 656(1) of the Act as it read immediately before section 15 of the Insurance Amendment Act, 2003 (No. 2) came into force is deemed to be a rating variable under this Regulation.

• Freeze order amended

• 21     The freeze order is amended

•                                  (a)    in section 7 by striking out “automobiles” and substituting “new model automobiles only”;

•                                  (b)    in section 10(1) by striking out “April 29,” and substituting “September 30,”.

• Enforcement and Administration Regulation

• 22    The Enforcement and Administration Regulation (AR 129/2001) is amended in the Schedule by adding the following after item 5:

• 6    Automobile Insurance Premiums Regulation

•                                           - sections 2, 3, 5(4), 9, 10, 11 and 12.

• Review

• 23    A review of this Regulation must be completed no later than September 30, 2007.

• AR 124/2004 s23;171/2006

• Coming into force

• 24 (1)   This Regulation, except section 21, comes into force on October 1, 2004.

• (2)   Section 21 comes into force on June 21, 2004.

• Schedule 1 Calculation of Grid Premiums

• Definitions

• 1 (1)   In this Schedule,

•                                  (a)    “at‑fault claim” means, in respect of liability described in section 627 of the Act or under the same or equivalent coverage in any other jurisdiction, inside or outside Canada,

•                                            (i)    a claim paid in respect of that liability for which the driver is wholly or partially at fault, and

•                                           (ii)    a claim made in respect of which the insurer has reasonably determined that a payment will or is likely to be made as a result of the fault, whole or partial, of the driver,

•                                  (iii), (iv)    repealed AR 261/2006 s3;

•                                  (b)    “driver training certificate” means a certificate evidencing successful completion of an approved driver training course issued by a driver training school licensed under the Traffic Safety Act or any other school outside Alberta satisfactory to the insurer;

•                                  (c)    “driving experience” means the combined time within the previous 15 years before the date on which the application for basic coverage is made during which a person has had

•                                            (i)    a valid operator’s licence in Canada, and

•                                           (ii)    a valid operator’s licence in a country outside Canada, if the person provides evidence satisfactory to the insurer,

•                                                                                                             but does not include

•                                          (iii)    the time during which the person held a learner’s operator’s permit, and

•                                          (iv)    a period of time during which the person’s operator’s licence was suspended, cancelled or revoked;

•                                  (d)    “highest rated driver” means the person who has the highest percentage determined under section 6(1)(b);

•                                  (e)    “inexperienced driver” means a driver who has less than 8 years’ driving experience;

•                                   (f)    “occasional driver” means an inexperienced driver referred to in section 4(4)(b);

•                                  (g)    “relevant date” means

•                                            (i)    with respect to a driver referred to in section 5(2)(a), the most recent date on or before September 30, 2004 on which the basic coverage came into effect;

•                                           (ii)    with respect to a driver referred to in section 5(2)(b), the date the basic coverage comes into effect;

•                                  (h)    “relevant driver” means the person determined to be the relevant driver under section 4.

• (2)   For the purpose of determining driving experience, if a driver obtains a driver training certificate before or within 2 years after obtaining an operator’s licence, the driver is considered to have 2 years’ driving experience, but is not considered to have 3 years’ driving experience until the person has actually had 3 years’ driving experience.

• (3)   For the purpose of section 4(4), an inexperienced driver is a principal driver of a private passenger vehicle if the inexperienced driver will be driving the vehicle more than any other driver.

• Guidelines

• 2    The Superintendent may issue guidelines respecting location and movements on the grid.

• Steps to determine grid premium

• 3    To determine a grid premium in respect of a private passenger vehicle,

•                                  (a)    the relevant driver and any occasional driver of the private passenger vehicle must be determined in accordance with section 4,

•                                  (b)    the relevant driver and any occasional driver of the private passenger vehicle must each be located at a grid step in accordance with section 5, and

•                                  (c)    the grid steps at which the relevant driver and any occasional driver are located must be converted to a dollar amount in accordance with section 6.

• Relevant and occasional drivers

• 4 (1)   The relevant driver and any occasional driver of a private passenger vehicle must be determined in accordance with this section.

• (2)   If the policyholder has the same number of private passenger vehicles as there are drivers of those vehicles, each driver must be matched to a vehicle, and the drivers are the relevant drivers in respect of the vehicles to which they are matched.

• (3)   If the policyholder has more private passenger vehicles than there are drivers of those vehicles,

•                                  (a)    each driver must be matched to a vehicle, and

•                                  (b)    for those vehicles not matched with a driver, the drivers already matched must be matched with the one or more unmatched vehicles, starting with the driver who has the lowest percentage determined under section 6(1)(b),

• and the drivers are the relevant drivers in respect of the vehicles to which they are matched.

• (4)   If the policyholder has fewer private passenger vehicles than there are drivers of those vehicles,

•                                  (a)    the highest rated drivers must be matched with the vehicles first, but an inexperienced driver may not be matched unless the inexperienced driver is the principal driver of one of the vehicles, and the drivers are the relevant drivers in respect of the vehicles to which they are matched, and

•                                  (b)    the remaining drivers must not be matched with respect to any of the vehicles unless the drivers are inexperienced drivers, in which case those inexperienced drivers are considered to be occasional drivers.

• (5)   If the number of occasional drivers is equal to or less than the number of passenger vehicles, each occasional driver must be matched to a vehicle.

• (6)   If there are more occasional drivers than there are vehicles, each occasional driver must be matched to a vehicle starting with the occasional driver who is the highest rated driver, but in no case may more than one occasional driver be matched in respect of the same vehicle.

• Locating the correct grid step

• 5 (1)   A grid step must be established for each driver of a private passenger vehicle.

• (2)   A grid step is first established for a driver

•                                  (a)    with respect to a driver under basic coverage for a private passenger vehicle in effect on September 30, 2004, as of the relevant date of that coverage, and

•                                  (b)    if clause (a) does not apply in respect of a driver, the first time a policy for basic coverage for a private passenger vehicle comes into effect on or after October 1, 2004 under which the driver is included.

• (3)   The grid step is first established for a driver by moving down one grid step from grid step zero for each year of driving experience then, if applicable, moving up 5 grid steps for each at‑fault claim during the 6 years preceding the relevant date.

• (4)   An insurer must, with respect to each subsequent application for basic coverage, make any necessary adjustments to the driver’s location on the grid under subsections (5) and (6), starting from the previous grid location for that person, whether or not location on the grid was previously established by the same insurer.

• (5)   If, during the term of the policy being renewed or replaced,

•                                  (a)    the driver had an at‑fault claim, the driver must be moved up 5 grid steps for each at‑fault claim during the term of the policy, or

•                                  (b)    the driver did not have an at‑fault claim and is not already located at grid step ‑15, the driver must be moved down one grid step for each full year of driving experience with no at‑fault claims since the driver’s location on the grid was last changed or, if it has never changed, since the driver’s location on the grid was first established.

• (6)   Despite subsection (5), if no at‑fault claims have been made for the 6 consecutive years of driving experience immediately preceding the coming into effect or renewal of a policy for basic coverage, and the driver is located higher than grid step zero, the driver must be located on grid step zero.

• (7)   Every insurer must on the request of another insurer provide to that insurer any information necessary to determine a driver’s location on the grid, including information about his or her current location on the grid.

• Computation of grid premium

• 6 (1)   After each driver is located on a grid step in accordance with section 5, a premium must be determined for each driver as follows:

•                                  (a)    determine the base premium for the driver in accordance with Schedule 3;

•                                  (b)    determine the percentage by which to multiply the base premium in accordance with the following formula:

•                                                   P = A + (A x B)

•                                           where

•                                             P    means the percentage by which to multiply the base premium of the driver;

•                                            A    means the percentage of the base premium for the grid step of the driver determined in accordance with Schedule 2;

•                                             B    means the percentage surcharge, if any, calculated in accordance with Schedule 4;

•                                  (c)    multiply the base premium determined in clause (a) by the percentage determined in clause (b).

• (2)   The grid premium for basic coverage for a private passenger vehicle is the premium for the relevant driver determined in subsection (1) plus 25% of the premium determined in subsection (1) for the occasional driver, if any, of that vehicle.

• AR 124/2004 Sched.1;217/2004;261/2006

• Schedule 2 Grid

• Grid established

• 1    The following grid is established for the purposes of this Regulation:

• Grid steps

• % for element A of Schedule 1, section 6(1)

•     

• +16...............................

• an increase of 23 percentage points for this and each subsequent step up the grid, computed cumulatively (see section 2 of this Schedule)

•     

• +15...............................

• 338%

•     

• +14...............................

• 315%

•     

• +13...............................

• 293%

•     

• +12...............................

• 270%

•     

• +11...............................

• 248%

•     

• +10...............................

• 225%

•     

• +9.................................

• 210%

•     

• +8.................................

• 195%

•     

• +7.................................

• 180%

•     

• +6.................................

• 165%

•     

• +5.................................

• 150%

•     

• +4.................................

• 140%

•     

• +3.................................

• 130%

•     

• +2.................................

• 120%

•     

• +1.................................

• 110%

•     

• Grid step zero

• 100% 

•     

• ‑1..................................

• 95%

•     

• ‑2..................................

• 90%

•     

• ‑3..................................

• 85%

•     

• ‑4..................................

• 80%

•     

• ‑5..................................

• 75%

•     

• ‑6..................................

• 70%

•     

• ‑7..................................

• 65%

•     

• ‑8..................................

• 60%

•     

• ‑9..................................

• 55%

•     

• ‑10................................

• 50%

•     

• ‑11................................

• 50%

•     

• ‑12................................

• 50%

•     

• ‑13................................

• 50%

•     

• ‑14................................

• 50%

•     

• ‑15................................

• 50%

• Determining percentage

• 2    Element A of Schedule 1, section 6(1), is determined by identifying the percentage opposite the grid step on which the relevant driver or occasional driver is located, except that

•                                  (a)    at grid step +16, the percentage is 23 percentage points more than the percentage opposite grid step +15, and

•                                  (b)    at each step higher than +16, the percentage is to be increased by 23 percentage points more than the percentage for the preceding grid step.

• Schedule 3 Base Premium Calculation

• Definitions

• 1    In this Schedule,

•                                  (a)    “Calgary territory” means the City of Calgary;

•                                  (b)    “Edmonton territory” means Townships 52, 53 and 54, Ranges 23, 24 and 25, all west of the 4th Meridian, which includes the City of Edmonton, the City of St. Albert, Clover Bar, Sherwood Park, Lancaster Park, Namao and Winterburn;

•                                  (c)    “rest of Alberta territory” means all areas of Alberta that are not included in the Edmonton territory or the Calgary territory.

• Determining base premium

• 2 (1)   The base premium for a relevant driver and occasional driver is an amount calculated in accordance with the following table by determining

•                                  (a)    the territory in which the policyholder resides, and

•                                  (b)    the choice of the policyholder’s coverage under section 627 of the Act , namely: $200 000, $500 000, $1 million or $2 million or such other coverage amounts offered by the insurer that are included in the table.

• Policyholder’s choice of coverage

• Territory

• Edmonton territory

• Calgary territory

• Rest of Alberta territory

• $200 000

• $1683

• $1530

• $1224

• $250 000

• $1738

• $1580

• $1264

• $300 000

• $1775

• $1614

• $1291

• $400 000

• $1835

• $1668

• $1334

• $500 000

• $1881

• $1710

• $1368

• $750 000

• $1922

• $1747

• $1398

• $1 million

• $1980

• $1800

• $1440

• $2 million

• $2158

• $1962

• $1570

• NOTE:   The amounts in this table are subject to change by the Board under section 2(2), (3) and (4) of this Schedule.

• (2)   The Board must,

•                                  (a)    effective November 1, 2005, reduce the differential base premium between the Edmonton territory and the Calgary territory shown in the table by 40%;

•                                  (b)    effective November 1, 2006, reduce the differential base premium between the Edmonton territory and the Calgary territory shown in the table by 50%;

•                                  (c)    effective November 1, 2007, eliminate the remaining differential between the Edmonton territory and the Calgary territory shown in the table.

• (3)   In making an adjustment under subsection (2), the Board must ensure that the base premium for the rest of Alberta territory is 20% less than for the Calgary territory.

• (4)   In addition to the adjustments under subsections (2) and (3), if the Board has made an adjustment on an industry‑wide basis under section 4 of this Regulation, the Board must, effective November 1 of the year in which the adjustment is made, make a corresponding percentage change to the base premiums in the table in this Schedule.

• (5)   The base premium effective November 1, 2005, as changed by the Board in accordance with subsections (2)(a), (3) and (4), is as follows:

• Policyholder’s choice of coverage

• Territory

• Edmonton territory

• Calgary territory

• Rest of Alberta territory

• $200 000

• $1616

• $1528

• $1222

• $250 000

• $1668

• $1577

• $1262

• $300 000

• $1704

• $1611

• $1289

• $400 000

• $1762

• $1665

• $1332

• $500 000

• $1806

• $1707

• $1366

• $750 000

• $1845

• $1744

• $1395

• $1 million

• $1901

• $1797

• $1438

• $2 million

• $2072

• $1959

• $1567

• (6)   The base premium effective November 1, 2006, as changed by the Board in accordance with subsections (2)(b), (3) and (4), is as follows:

• Policyholder’s choice of coverage

• Territory

• Edmonton territory

• Calgary territory

• Rest of Alberta territory

• $200 000

• $1567

• $1524

• $1220

• $250 000

• $1618

• $1574

• $1259

• $300 000

• $1653

• $1607

• $1286

• $400 000

• $1709

• $1662

• $1330

• $500 000

• $1751

• $1704

• $1363

• $750 000

• $1789

• $1740

• $1392

• $1 million

• $1844

• $1793

• $1435

• $2 million

• $2009

• $1955

• $1564

• AR 124/2004 Sched.3;55/2005;261/2006

• Schedule 4 Surcharges for At‑fault Accidents and Driving Convictions

• Surcharges for driving convictions

• 1 (1)   The total of the percentages determined under subsections (2) and (3) is the percentage to be included in element B of the formula described in Schedule 1, section 6(1).

• (2)   A percentage is to be determined for a driver in accordance with Table 1 for each of the following:

•                                  (a)    for serious traffic safety convictions on a driver’s abstract within the 3 years before the effective date of basic coverage or renewal of basic coverage;

•                                  (b)    for traffic safety convictions on a driver’s abstract within the 3 years before the effective date of basic coverage or renewal of basic coverage;

•                                  (c)    for criminal code convictions on a driver’s abstract within the 4 years before the effective date of basic coverage or renewal of basic coverage.

• (3)   A percentage is to be determined for a driver in accordance with Table 2 for a driver who in the 3 years before the application for basic coverage has had 2 or more at‑fault claims.

• Table 1

•  

• Number of convictions

• Surcharge for

• Traffic safety convictions

• Serious traffic safety  convictions

• Criminal Code convictions

• 1

• 0%

• 25%

• 300%

• 2

• 25%

• 50%

• 450%

• 3

• 35%

• 100%

•  

•  

•  

•  

• For each additional conviction, add 150 percentage points to the immediately preceding percentage

• 4

• 50%

• 200%

• 5

• 75%

• 400%

• 6

• 100%

• 800%

• 7 or more

• For each additional conviction, double the immediately preceding percentage

• For each additional conviction, double the immediately preceding percentage

• Table 2

• Surcharge for at‑fault claims in a 3‑year period

• Number of at‑fault claims

• Percentage to be added

• 2

• 30%

• For each additional at‑fault claim, add 15 percentage points to the immediately preceding percentage

• Definitions

• 2    In this Schedule,

•                                  (a)    “at‑fault claim” means at‑fault claim as defined in Schedule 1;

•                                  (b)    “criminal code conviction” means a conviction for an offence under section 130 of the National Defence Act (Canada) or for any of the following offences under the Criminal Code (Canada):

•  

• Description of offence

• (for convenience of reference only)

• Criminal Code Section Number

• 1

• Criminal negligence causing death committed by means of a motor vehicle

• 220

• 2

• Criminal negligence causing bodily harm committed by means of a motor vehicle

• 221

• 3

• Manslaughter committed by means of a motor vehicle

• 236

• 4

• Dangerous operation of a motor vehicle

• 249(1)

• 5

• Dangerous operation of a motor vehicle causing bodily harm

• 249(3)

• 6

• Dangerous operation of a motor vehicle causing death

• 249(4)

• 7

• Failing to stop a motor vehicle while being pursued by peace officer

• 249.1(1)

• 8

• Failing to stop a motor vehicle causing bodily harm or death while being pursued by peace officer

• 249.1(3)

• 9

• Failing to stop at scene of accident

• 252(1)

• 10

• Failing to stop at scene of accident knowing bodily harm has been caused

• 252(1.2)

• 11

• Failing to stop at scene of accident knowing death has been caused or reckless re bodily harm causing death

• 252(1.3)

• 12

• Impaired driving or over .08

• 253

• 13

• Failing or refusing to provide a blood or breath sample on demand

• 254

• 14

• Impaired driving causing bodily harm

• 255(2)

• 15

• Impaired driving causing death

• 255(3)

• 16

• Operating a motor vehicle while disqualified

• 259(4)

•                                  (c)    “driver abstract” means the abstract of the driving record referred to in section 5(1) of the Access to Motor Vehicle Information Regulation (AR 140/2003) or a similar document of another province or territory in Canada;

•                                  (d)    “serious traffic safety conviction” means a conviction for any of the following offences under the Traffic Safety Act, or a conviction for an offence that is substantially similar under an enactment of Canada, other than the Criminal Code (Canada), or of another province or territory:

•  

• Description of offence (for convenience of  reference only)

• Enactment and section number

• Traffic Safety Act

• Use of Highway and Rules of the Road Regulation

• 1

• Failing to remain at scene of accident

• 69(1)

•  

• 2

• Driver failing to make accident report

• 71(1)

•  

• 3

• Improper passing in school zone or playground zone

•  

• 8

• 4

• Drive a motor vehicle during a prohibited period of time

• 51(g)

•  

• 5

• Novice driver ‑ presence of alcohol suspension

• 90(4)(c) and (d)

•  

• 6

• Speeding in school zone or playground zone

• 107(2) and 108(1)(h)

•  

• 7

• Speeding (general) ‑ exceeding limit by more than 50 kph

• 115(2)(p)

•  

• 8

• Speeding (construction zone) ‑ exceeding limit by more than 50 kph

• 115(2)(p.1) and (p.2)

•  

• 9

• Speeding (passing emergency vehicle) ‑ exceeding limit by more than 50 kph

• 115(2)(t)

•  

• 10

• Speeding (flashing yellow light crossing) ‑ exceeding limit by more than 50 kph

•  

• 53(5)(c)

• 11

• Careless driving

• 115(2)(b)

•  

• 12

• Racing

• 115(2)(c)

•  

• 13

• Driving on a bet or wager

• 115(2)(d)

•  

• 14

• Failing to stop for a school bus

•  

• 72(1)

• 15

• Driving while unauthorized

• 94(2)

•  

• 16

• Failing to stop school bus, vehicle carrying explosives, etc. at uncontrolled railway crossing

•  

• 42(5)

• 17

• Failing to stop for a peace officer

• 166(2)

•  

•                                  (e)    “traffic safety conviction” means a conviction for any of the following offences under the Traffic Safety Act, or a conviction for an offence that is substantially similar under an enactment of Canada, other than the Criminal Code (Canada), or of another province or territory:

•  

• Description of offence (for convenience of  reference only)

• Enactment and section number

• Traffic Safety Act

• Use of Highway and Rules of the Road Regulation

• 1

• Speeding ‑ unreasonable rate of speed

•  

• 2(1)(a)

• 2

• Speeding (general) ‑ exceeding limit by up to 15 kph

• 115(2)(p)

•  

• 3

• Speeding (construction zone) ‑ exceeding limit by up to 15 kph

• 115(2)(p.1) and (p.2)

•  

• 4

• Speeding (passing emergency vehicle) ‑ exceeding limit by up to 15 kph

• 115(2)(t)

•  

• 5

• Speeding (flashing yellow light crossing) ‑ exceeding limit by up to 15 kph

•  

• 53(5)(c)

• 6

• Speeding (general) ‑ exceeding limit by over 15 but not more than 30 kph

• 115(2)(p)

•  

• 7

• Speeding (construction zone) ‑ exceeding limit by over 15 but not more than 30 kph

• 115(2)(p.1) and (p.2)

•  

• 8

• Speeding (passing emergency vehicle) ‑ exceeding limit by over 15 but not more than 30 kph

• 115(2)(t)

•  

• 9

• Speeding (flashing yellow light crossing) ‑ exceeding limit by over 15 but not more than 30 kph

•  

• 53(5)(c)

• 10

• Speeding (general) ‑ exceeding limit by over 30 but not more than 50 kph

• 115(2)(p)

•  

• 11

• Speeding (construction zone) ‑ exceeding limit by over 30 but not more than 50 kph

• 115(2)(p.1) and (p.2)

•  

• 12

• Speeding (passing emergency vehicle) ‑ exceeding limit by over 30 but not more than 50 kph

• 115(2)(t)

•  

• 13

• Speeding (flashing yellow light crossing) ‑ exceeding limit by over 30 but not more than 50 kph

•  

• 53(5)(c)

• 14

• Following too close

•  

• 18

• 15

• Failing to notify owner    (a)  of an unattended vehicle          damaged in accident    (b)  of property damaged in          accident

• 69(2)(a) 69(2)(b)

•  

• 16

• Failing to stop, etc. when meeting oncoming vehicle on narrow roadway

•  

• 14

• 17

• Passing on hill or curve or near railway crossing

•  

• 19(1)

• 18

• Passing on left when view obstructed or traffic present on left side of highway

•  

• 20

• 19

• Failing to pass on left in safe manner or failing to return to right side of roadway in safe manner

•  

• 21(1)

• 20

• Overtaking another vehicle by driving off the roadway, in a parking lane or when unsafe

•  

• 23

• 21

• Passing another vehicle stopped at crosswalk

•  

• 41(2)

• 22

• Driving left of centre line

•  

• 12(1)

• 23

• Driving wrong way on one‑way highway

•  

• 17

• 24

• Impeding passing vehicle

•  

• 21(2)

• 25

• Impeding passing vehicle ‑ multi‑lane highway

•  

• 22(2)(b)

• 26

• Failing to yield right of way to a vehicle    (a)  at an intersection, or turning          left unsafely

•    (b)  at yield sign    (c)  in traffic circle

•    (d)  at merge sign    (e)  at green light or green arrow

•    (f)  at flashing yellow light

•  

• 34 39 40 50, 51 52(1), (3)‑(5) 53(3)

• 27

• Failing to yield right of way to a pedestrian    (a)  at an alley entrance or driveway

•    (b)  in a crosswalk

•    (c)  at a green light or green arrow

•    (d)  at flashing yellow light at

•          intersection

•    (e)  at flashing yellow light           not at intersection

•    (f)  at flashing yellow light with zone           sign or symbol

•  

•  

• 36(3) 41(1) 52(1)‑(5) 53(3) 53(4) 53(5)(d)

• 28

• Failing to stop    (a)  before entering highway

•    (b)  at a stop sign

•    (c)  for an emergency vehicle

•          sounding siren

•    (d)  at railway crossing when a train           is approaching

•    (e)  within prescribed distance from           railway when stop sign

•    (f)  at yellow light at intersection

•    (g)  at yellow light not at intersection

•    (h)  at red light at intersection

•    (i)  at red light not at intersection

•    (j)  at flashing red light at intersection

•    (k)  at flashing red light not at           intersection

•  

• 36(2) 37 65(1) 42(2) 42(4)(a) 53(1) 53(2) 54(1)(a) 54(4) 54(5)(a) 54(6)(a)

• 29

• Unauthorized following within 150 metres of emergency vehicle sounding siren or with flashing lights or both

•  

• 65(2)

• 30

• Driving around barrier at railway crossing

•  

• 42(3)

• 31

• Proceeding when unsafe    (a)  after stopping at intersection

•    (b)  after stopping for stop sign at           railway crossing

•    (c)  after stopping for school bus

•    (d)  after stopping for red light at          intersection

•    (e)  after stopping for flashing red           light at intersection

•    (f)  after stopping for flashing red           light not at intersection

•  

• 38 42(4)(b) 72(2) 54(1)(b)

• 54(5)(b) 54(6)(b)

• 32

• Stunting

• 115(2)(f)

•  

• 33

• Traffic lane violation    (a)  slow moving vehicle in incorrect           lane

•    (b)  driving at less than maximum           speed in designated fast lane           outside an urban area

•    (c)  improperly crossing solid or           broken lines or driving           improperly on left side of           broken lines on 2‑way highway

•    (d)  making unsafe lane change

•    (e)  failing to drive in centre of           marked lane

•    (f)  occupying 2 lanes

•    (g)  improperly driving in centre           lane of 3 lane highway

•    (h)  driving in lane marked with “X”

•  

• 3 2(1)(b) 15(1) 15(4) 15(5) 15(6) 16(1) 27(4)

• 34

• Failing to obey instruction of traffic control device

•  

• 57

• 35

• Slow driving impeding or blocking traffic

•  

• 2(1)(c)

• 36

• Driving at less than minimum speed

• 115(2)(q)

•  

• 37

• Failing to obey direction of peace officer to increase speed, etc.

•  

• 2(4)

• 38

• Failing to signal    (a)  when changing lanes

•    (b)  when turning left or right

•    (c)  when stopping

•  

• 15(2) 24 35

• 39

• Failing to make proper signal when starting, turning or changing the course or direction of a vehicle or stopping a vehicle on a highway

•  

• 9(b)

• 40

• Improper turns    (a)  when turning right

•    (b)  when turning left

•    (c)  failing to obey traffic control          device

•    (d)  making U‑turn unsafely or          where prohibited

•    (e)  making U‑turn with a school           bus where prohibited

•  

• 25 26 27(1), (2) 29, 30 31

• 41

• Backing up vehicle unsafely or where prohibited

•  

• 32, 33

• 42

• Fail to ascertain sufficient space for movement

•  

• 9(a)

• AR 124/2004 Sched.4;261/2006