On Mon, 21 Apr 2025 17:37:32 -0400, Rhino
<no_offline_contact@example.com> wrote:

Here in Canada, every province has its own insurance system with
different requirements about coverage. In some provinces, like BC, all
the car insurance is issued by the government as I understand it. In
Ontario, there are many private insurance companies and no government >insurance at all. I don't know how the actuaries pool risks but I'm
assuming its on a provincial basis. That means tiny PEI or even tinier
(in population) Yukon/NWT/Nunavut are going to have much smaller pools
than Ontario, Quebec or BC.

Well yes and no. What all Canadian provinces have is a legal
requirement that one carry insurance to a mandated level (and you are
of course able to carry more than the bare minimum or other types of
coverage such as collision) Some provinces have provincial
corporations that do this and my now retired sister-in-law is enjoying
a comfortable retirement due to her role as IT director for one of
these since she was in charge of a network that served about 800
employees and 1500 independent insurance brokerages.

PEI has a population of roughly 150k with Yukon/NWT/Nunavut together
having at most 1/3 to 1/2 of that. But no question under the Canadian constitution highways are a provincial responsibility (with the feds
kicking in $$$ for the 'national' highways in similar fashion to the
US).

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