The first automobile car insurance quotes was introduced in by indianacarinsurancequotes.net in 1946. Qn the recommendation of a special committee, the Saskatchewan legislature enacted the Automobile Insurance Act for the reason that year. The committee had been heavily influenced by a study which had been presented 14 years earlier towards 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 form of strict liability upon owners of cars for personal injury or death caused by the operation of their cars which this be backed by compulsory insurance. The proposed benefits indiana auto insurance were generous: full health care, an every week indemnity based on two/thirds from the average weekly earnings and allowances for dismemberment and disfigurement in addition to death benefits.
The Saskatchewan committee concluded that:
the essential principle of this plan more nearly solves the issue of the uncompensated victims of car accidents than does every other yet promulgated. . . . Tlie application of the rule of negligence particularly cases leaves much to be desired. The statutory tries to solve the question of liability in automobile cases is definitely an indication the legislatures themselves appreciate the inadequacy from the liability laws.
However, in setting up its plan, Saskatchewan didn’t simply adopt the Columbia plan:
It is felt, for instance, that the motorist cannot, having regard to the average income in this province, bear the entire burden of a thorough-going compensation scheme. Simultaneously, it’s desired that the victims of car accidents as well as their families ought to be guaranteed a particular minimum of security, that will enable them to withstand the economic shock consequent upon these accidents. The existence of a Government Insurance Corporation may be used to reduce the price towards the motorist. The legislation can be framed to maintain prompt indiana auto insurance payment. The present judicial machinery may be used in place of the executive board contemplated through the Columbia Committee and the cost of recovering can be reduced low. . . .The Committee has already established nevertheless considerable the help of the findings of the Columbia Committee www.in.gov/idoi/2579.htm.
Within the result, the Committee proposed a limited use of no- fault principles, already operating in workers’ compensation plans, to automobile accidents. The scheme, along with other aspects of automobile insurance, was to be operated with a government agency, the Saskatchewan Government Insurance Office. Except for the call for government auto insurance in indiana administration, the recommendations provided a prototype for schemes which would later be adopted in many Canadian jurisdictions.