What is law? Law is all the official rules and codes that govern citizens’ actions, including the Constitution, statutory laws enacted by the Legislature, case laws established by court decisions, and administrative law as set forth by executive branch agencies.

What is the insurance answer regarding law? The law of each province is what determines how an individual claim will be handled regarding an automobile accident. If you have an accident in British Columbia then ICBC's rules will govern the settlement. If the same accident occurs in Manitoba it will be AutoPac who governs.

Precedent is a big part of the insurance law in Canada except in Quebec. Once a judge has made a decision and if it has been upheld in the provincial and federal supreme courts then the precedent is set.

Law also affects the charges that may be laid for different types of traffic convictions. It is wise to confirm if a charge is a minor, major or criminal conviction. How you may choose to deal with such a ticket likely would be affected if you know it was a criminal conviction.

Insurance law ties into certain rulings that have been made to provide equity when claims are presented. Some examples can include: if you rear end a vehicle, you will be at fault. If you open your car door and it is hit by a passing vehicle, you are at fault.

Civil authorities (the police) will provide information to insurance companies that is compiled with witness statements and physical evidence. It is very important that you notify civil authority if you have suffered a loss which involves a criminal element. In many provinces you must notify the police if the damage in a car accident totals $1000.