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Version Anglaise / English Version
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Industry Briefs |
| C.D. Howe Institute
says banks should sell insurance
Earlier this year, the insurance industry and the
banking sector debated over the possibility of banks
being able to sell insurance. In June, the government
released a White Paper indicating it has no plans to
make the regulatory changes the banks wanted.
However now the C.D. Howe Institute, an influential
policy think-tank has revived the issue. A recent report
from the Institute is calling for an end to "a
prohibitionist stance toward the sale of insurance by
banks."
--
World insurance industry on “edge of
cliff” according to Lloyd’s
The global insurance industry has been in the midst
of a relatively good year, especially compared to the
hurricane disasters of 2005. However, in a speech to
the U.S. insurance industry, Lloyd’s director
of worldwide markets has warned that the industry risks
falling off the “edge of a cliff” if it
becomes complacent.
Despite a costly 2005 due to hurricanes, a return on
surplus of about 10.5% was reported in the past two
years. According to Julian James, the director of worldwide
markets, the industry should be prepared for possible
losses. Weak premiums growth, downward pressure on non-catastrophe
rates and increasing industry surpluses can be seen
as signs of weak demand and oversupply, he said.
--
Insurers responsible for punitive damages
in drunk driving cases says Ontario Appeal judge
The Ontario Court of Appeal recently awarded punitive
damages in a drunk driving case that resulted in serious
bodily injury. The decision means insurers will be responsible
for paying out rare punitive damage awards in similar
drunk driving cases.
The decision in the Andrea McIntyre et al. v Thomas
Grigg et al. case awarded $20,000 in punitive damages
against Grigg, a then-Hamilton Tiger-Cat football player,
who left a Hamilton pub in 1996 after having consumed
two or three times the legal limit of alcohol. Grigg
left the pub but returned when his passenger realized
she had forgotten something. On his way back to the
pub, Grigg failed to stop at a sign, veered to the right
and sheared off a lamp post which struck Andrea McIntyre,
causing her serious injury.
The lower court awarded punitive damages of $200,000.
These damages are only awarded when the court believes
the actions are extreme and merit further penalty. The
appellate court lowered the amount to $20,000.
--
Office technology, paper usage rise
In a new report by Statistics Canada, it seems as the
years go by, the amount of paper used in a Canadian
office has risen as well.
Stats Can says that between 1983 and 2003, the per
capita consumption of paper for printing and writing
rose 96.6 per cent to 91.4 kilograms, or about 20,000
pages per person. In 2003, Canadians used 2,867,442
tonnes of paper compared to 1,198,1000 tonnes in 1983.
Not surprisingly, there was increased use of communications
technologies including email and telephones reported
in the past two decades. However, while the use of email
and the Internet is high, Canadians still make use of
telephones and postal and courier mail while at work.
Canadians spent 461 billion minutes on fixed-line telephones
in 2003, while cell phone use in the same year totaled
39.4 billion minutes.
The number of pieces of mail handled by Canada Post
rose to 10.7 billion in 2003 from 6.6 billion in 1983,
Statistics Canada found. And courier mail rose over
the same period as well.
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A Message from ILScorp.com
Please click play to view a message
from ILS Learning Corporation
Great news! You can still win your way aboard with
ILS Learning Corporation!
 Due
to overwhelming support and response, we are happy to announce
that we are extending the draw date for the ILS Advantage
Performance Series (at Sea) Caribbean cruise!
Every course you complete from now until December 15 enters
you in the draw for a trip for two to the sunny Caribbean.
Imagine a sun-filled vacation from January 21 through January
28, 2007 where you can relax on the Princess Caribbean cruise
ship AND earn up to 12 CE credit hours towards your Life,
A&S, General Insurance, Adjuster, Technical or Professional/Management
mandatory licensing requirements.
Education really does have its rewards.
For more information on the contest or the Advantage Performance
Series (at Sea) Caribbean cruise, visit our cruise site
or call us at 1-800-404-2211.
It’s deer season in the woods and on the roads
 November
is a busy time for Canada’s deer population. This month
marks breeding season and the beginnings of winter, each of
which mean that more deer are on the roads than in most other
months. Not only are the deer looking for mates, but the dropping
temperatures prompt deer to seek a more sheltered environment
from the elements.
Ontario leads the country in the number of collisions involving
wildlife, with about 1,000 reported every year. Most of these
collisions involve deer. In the past decade, accidents in
Ontario involving wildlife have increased 86 per cent.
White-tailed deer, one of the most populous species in Canada,
weigh between 50 and 150 kilograms and can reach a shoulder-height
of three-foot-six. The impact of one of these deer and a car
can be dangerous and costly.
While passenger injuries are rare, unless the animal crashes
through the windshield, the vehicle usually endures a lot
of damage.
Obviously this is of concern to insurers. The Insurance Institute
for Highway Safety in the United States estimates that there
are more than 1.5 million deer-vehicle collisions each year,
resulting in 150 occupant deaths, tens of thousands of injuries,
and over $1 billion in vehicle damage. The average cost per
insurance claim for collision damage is about $2,600, with
costs varying depending on the type of vehicle and severity
of damage.
To help minimize your chances of being in a collision with
deer or other wildlife, regardless of where you are in Canada,
consider the following driving tips from the Ontario Provincial
Police and the Canada Safety Council:
- On rural roads, slow down and set your headlights to
high beam
- Take extra care on roads that cross creeks, rivers, wooded
areas or run alongside open fields
- Avoid driving at dusk and dawn when possible
If you see an animal on the road:
- Honk your horn in a series of short bursts
- Use four-way flashers to warn other drivers
- At night, blink your headlights
- If a deer is in your way, brake hard but never swerve
"Bow WOW!"
by
Todd Hochban
There are liability
losses that “blur” the lines between coverages
provided on homeowners forms and automobile policies. Sometimes,
deciding which policy should respond to losses can be difficult.
In Longarini v. Zuliani, the defendant’s dog
was unattended in the back seat of his car. The plaintiff
was bitten while petting the dog. The defendant had both a
homeowner’s policy and an automobile policy. The courts
had to decide which policy should respond to the lawsuit.
Third Party Liability coverage on Automobile polices insures
losses that arise from the ownership use or operation of insured
automobiles. An Ontario Court ruled that carrying dogs is
a normal use of automobiles. Therefore,
losses arising from this normal use
must be insured under automobile policies.
The judge in Longarini v. Zuliani ruled that the
automobile insurer must respond to the claim for damages.
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Grant Hicks, co-author of the best-selling book “Guerrilla
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ideas. The course, presented by ILS Learning Corporation is
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After taking the course, you will be able to:
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Receive 12 CE credits towards your Accident and Sickness,
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For more information on this course or to sign up, contact
us today at 1-800-404-2211 or by email at info@ilscorp.com
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