UBC Theses and Dissertations

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UBC Theses and Dissertations

The development and policy implications of automobile insurance in British Columbia Harrison, Douglas Knox


The purpose of the thesis is to review the development of the compensation system for traffic victims in British Columbia and to determined what changes are required in order to improve the equity, efficiency, and effectiveness of the system. The study examines this question from a broad perspective because of the inter-relationships among motor vehicle transportation, traffic safety, and the compensation system. The methods of investigation were twofold. The first step was to read all the pertinent literature on the subject which could be found in Vancouver. The second step was to communicate by telephone, by mail, or in person with individuals who possessed special knowledge with respect to one or more aspects of the subject matter. The latter research was invaluable because it updated the information available in the literature, revealed the practical ramifications of different concepts, and provided British Columbia viewpoints to a world wide problem. The conclusions of the thesis are based to a large extent on value judgments because of the paucity of quantifiable data and the absence of an actuarial analysis. In general the writer feels that more stringent procedures must be employed in the issuance and renewal of licences, and the public must accept automatic suspensions of licences for repeated traffic violations or accident involvement. Simultaneously, improvement in vehicle and roadway design, and emergency treatment of crash victims must be undertaken. The writer concludes that a no-fault, direct writer, and privately operated automobile compensation system is feasible at this time, and will provide a more equitable, effective, and efficient system of allocating premium dollars to a broader range of traffic victims.

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