NO-FAULT Car insurance in Indiana State

indiana car insurance quotesThe first automobile car insurance quotes was introduced in by rate in 1946. Qn the recommendation of a special committee,  the Saskatchewan legislature enacted the Automobile Insurance Act in that year.  The committee had been heavily affected by a study this was presented 14 years earlier to the Council for Research within the Social Sciences at Columbia University.  The Columbia Report had recommended a “completely new approach” and rejected the accepted bases for legal liability.  It proposed a kind of strict liability upon owners of motor vehicles for private injury or death brought on by the whole process of their motor vehicles which this be backed by compulsory insurance. The proposed benefits indiana auto insurance were generous: full health care, a weekly indemnity based on two/thirds of the average weekly earnings and allowances for dismemberment and disfigurement in addition to death benefits. 

The Saskatchewan committee figured:
the essential principle of the plan more  nearly solves the problem from the uncompensated victims of car accidents than does any other yet promulgated. . . . Tlie application of the rule of negligence in particular cases leaves much to be desired. The statutory attempts to solve the question of liability in motor vehicle cases is an indication the legislatures themselves understand the inadequacy from the liability laws.
However, in setting up its plan, Saskatchewan did not simply adopt the Columbia plan:

It is felt, for instance, the motorist can not, having regard towards the average income within this province, bear the entire burden of the thorough-going compensation scheme. Simultaneously, it is considered necessary the victims of car accidents and their families ought to be guaranteed a particular minimum of security, which will enable them to withstand the economic shock consequent upon these accidents. The presence of a Government Insurance Corporation can be utilized to reduce the cost to the motorist. The legislation can be framed to provide for prompt indiana auto insurance payment. The existing judicial machinery may be used in place of the executive board contemplated by the Columbia Committee and also the cost of recovering could be reduced low. . . .The Committee has had nevertheless considerable the help of the findings of the Columbia Committee

In the result, the Committee proposed a limited application of no- fault principles, already operating in workers’ compensation plans, to car accidents. The scheme, as well as other aspects of car insurance, ended up being to be operated by a government agency, the Saskatchewan Government Insurance Office.  Except for that demand government auto insurance in indiana administration, the advice provided a prototype for schemes which may later be adopted in many Canadian jurisdictions.