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Dutch East Indies . The name was later shortened to Van Diemen's Land by the British. It was officially renamed Tasmania in honour of its first European discoverer on 1 January 1856. ] Tasmania was sometimes referred to as "Dervon", as mentioned in the Jerilderie Letter written by the notorious Australian bushranger Ne...
is underlaid by sandstone and similar sedimentary stones. In the southwest, Precambrian quartzites were formed from very ancient sea sediments and form strikingly sharp ridges and ranges, such as Federation Peak or Frenchmans Cap . In the northeast and east, continental granites can be seen, such as at Freycinet, simil...
Lieutenant John Bowen to establish a small military outpost on the eastern shore of the Derwent River in order to forestall any claims to the island by French explorers who had been exploring the southern Australian coastline. Bowen, who led a party of 49, including 21 male and three female convicts, named the camp Ris...
with grazing livestock as well as fences, hedges and stone walls, while police and military patrols were increased to control the convict farm labourers. ] Violence began to spiral rapidly from the mid-1820s in what became described as the " Black War ". ] Aboriginal inhabitants were driven to desperation by hunger – t...
diseases to which they had no immunity, reducing the population further. ] ] Of those removed from Tasmania, the last to die was Truganini , in 1876. The near-destruction of Tasmania's Aboriginal population has been described as an act of genocide by historians including Robert Hughes , James Boyce , Lyndall Ryan and T...
in favour of federation with the largest majority of all the Australian colonies. Tasmania was an early adopter of electric street lighting . Australia's first electric street lights were switched on in Waratah in 1886. ] Launceston became the first completely electrified city on the island in 1885, followed closely by...
in 1983, and CSIRO opened its marine studies centre in Hobart. Pope John Paul II would hold mass at Elwick Racecourse in 1986. The 1990s were characterised by the fight for LGBT rights in Tasmania , culminating in the intervention of the United Nations Human Rights Committee in 1997 and the decriminalization of homosex...
Te Waipounamu / South Island of New Zealand and parts of Patagonia in South America. Areas at equivalent latitudes in the Northern Hemisphere include Hokkaido in Japan, Northeast China ( Manchuria ), Central Italy , and United States cities such as New York and Chicago . The most mountainous region is the Central Highl...
] Ben Lomond , Furneaux , King , Central Highlands , Northern Midlands , Northern Slopes , Southern Ranges , South East , and West . Tasmania's environment consistes of many different biomes or communities across its different regions. It is the most forested state in Australia, and preserves the country's largest area...
Western Australia (WA) is the westernmost state of Australia . It is bounded by the Indian Ocean to the north and west, the Southern Ocean to the south, the Northern Territory to the north-east, and South Australia to the south-east. Western Australia is Australia’s largest state, with a land area of 2,527,013 square k...
at around 3.48 billion years ago. The first human inhabitants of Australia arrived from the north "over 50,000 years ago and possibly as much as 70,000 years ago". ] : 5 Over thousands of years they eventually spread across the whole landmass. citation needed ] These Indigenous Australians were long established through...
right of self-governance of European Australians, and in 1890, the act granting self-government to the colony was passed by the British Parliament . John Forrest became the first Premier of Western Australia . In 1896, after discoveries of gold at Coolgardie and Kalgoorlie , the Western Australian Parliament authorised...
400 metres (1,200 ft), very low relief, and no surface runoff . This descends relatively sharply to the coastal plains, in some cases forming a sharp escarpment (as with the Darling Range/ Darling Scarp near Perth). The extreme age of the landscape has meant that the soils are remarkably infertile and frequently lateri...
November. Eighty-five percent of the state's runoff occurs in the Kimberley, but because it occurs in violent floods and because of the insurmountable poverty of the generally shallow soils, the only development has taken place along the Ord River . Snow is rare in the state and typically occurs only in the Stirling Ra...
General view of the botany of the vicinity of Swan River . It discusses the vegetation of the Swan River Colony . ] Europeans began to settle permanently in 1826 when Albany was claimed by Britain to forestall French claims to the western third of the continent. Perth was founded as the Swan River Colony in 1829 by Bri...
economy is largely driven by extraction and processing of a diverse range of mineral and petroleum commodities. The structure of the economy is closely linked to these natural resources, providing a comparative advantage in resource extraction and processing. As a consequence: In 2019 Western Australia's overseas expor...
such as heavy and light engineering, and metal fabrication. Shipbuilding (e.g. Austal ) and associated support industries are found at nearby Henderson , just north of Kwinana. Significant secondary industries include cement and building product manufacturing, flour milling, food processing, animal feed production, aut...
has effectively expanded its powers through broad interpretation of its enumerated powers and increasing control of taxation and financial distribution (see Federalism in Australia ). Whilst the sovereign of Western Australia is the monarch of Australia (currently Charles III ) and executive power is nominally vested i...
Murdoch University ; and one Fremantle -based private Roman Catholic university , the University of Notre Dame Australia . The University of Notre Dame is also one of only two private universities in Australia, along with Bond University , a not-for-profit private education provider based in Gold Coast, Queensland . We...
Bangladesh , ] officially the People's Republic of Bangladesh , ] is a country in South Asia . It is the eighth-most populous country in the world and among the most densely populated with a population of 170 million in an area of 148,460 square kilometres (57,320 sq mi). Bangladesh shares land borders with India to th...
, ] Bangladesh is home to the fifth-most spoken native language , the third-largest Muslim-majority population , and the second-largest economy in South Asia. It maintains the third-largest military in the region and is the largest contributor to UN peacekeeping operations. ] Bangladesh is a unitary parliamentary repub...
fought for control over the Bengal region . Islam arrived in the 8th century and gradually became dominant from the early 13th century with the conquests led by Bakhtiyar Khalji and the activities of Sunni missionaries like Shah Jalal . Muslim rulers promoted the spread of Islam by building mosques across the region. F...
Rohingya refugee crisis , which has strained its resources and highlighted its humanitarian commitments. citation needed ] The poverty rate went down from 80% in 1971 to 44% in 1991 to 13% in 2021. ] ] ] Bangladesh emerged as the second-largest economy in South Asia, ] ] surpassing the per capita income levels of both ...
covered 158,070 hectares (ha). Of the naturally regenerating forest 0% was reported to be primary forest (consisting of native tree species with no clearly visible indications of human activity) and around 33% of the forest area was found within protected areas. For the year 2015, 100% of the forest area was reported t...
is famous for its fertile alluvial soil which supports extensive cultivation. The country is dominated by lush vegetation, with villages often buried in groves of mango , jackfruit , bamboo , betel nut , coconut , and date palm . ] The country has up to 6000 species of plant life, including 5000 flowering plants. ] Wat...
growth. The Bangladesh Environment Conservation Act was enacted in 1995. The government has designated several regions as Ecologically Critical Areas , including wetlands, forests, and rivers. The Sundarbans tiger project and the Bangladesh Bear Project are among the key initiatives to strengthen conservation. ] It rat...
] ), Chittagong (officially Chattogram ] ), Dhaka , Khulna , Mymensingh , Rajshahi, Rangpur, and Sylhet. Divisions are subdivided into districts ( zila ). There are 64 districts in Bangladesh, each further subdivided into upazila (subdistricts) or thana . The area within each police station, except for those in metropo...
partnership . ] Political relations with Middle Eastern countries are robust. ] Bangladesh receives 59% of its remittances from the Middle East, ] despite poor working conditions affecting over four million Bangladeshi workers . ] Bangladesh plays a major role in global climate diplomacy as a leader of the Climate Vuln...
To ensure that all Wikipedia content is verifiable , Wikipedia provides a means for anyone to question an uncited claim . If your work has been tagged, please provide a reliable source for the statement, and discuss if needed. You can add a citation by selecting from the drop-down menu at the top of the editing box . I...
British Columbia (commonly abbreviated as BC ) is the westernmost province of Canada . Situated in the Pacific Northwest between the Pacific Ocean and the Rocky Mountains , the province has a diverse geography, with rugged landscapes that include rocky coastlines, sandy beaches, forests, lakes, mountains, inland desert...
around one percent of British Columbians claim French as their mother tongue . ] British Columbia is home to at least 34 distinct Indigenous languages . ] Major sectors of British Columbia's economy include forestry , mining , filmmaking and video production , tourism , real estate , construction , wholesale , and reta...
the highest mountain entirely within the province is Mount Waddington . British Columbia's capital is Victoria , located at the southeastern tip of Vancouver Island . Only a narrow strip of Vancouver Island, from Campbell River to Victoria, is significantly populated. Much of the western part of Vancouver Island and th...
Coastal southern British Columbia has a mild and rainy climate influenced by the North Pacific Current . Most of the region is classified as oceanic , though pockets of warm-summer Mediterranean climate also exist in the far-southern parts of the coast. Precipitation averages above 1,000 mm (39 in) in almost all of the...
because of consistent barrages of cyclonic low-pressure systems from the North Pacific. Average snowfall on the coast during a normal winter is between 25 and 50 centimetres (10 and 20 in), but on occasion (and not every winter) heavy snowfalls with more than 20 centimetres (8 in) and well below freezing temperatures a...
being Canada's National Parks system. Another tier of parks in British Columbia are regional parks , which are maintained and run by the province's regional districts . The Ministry of Forests operates forest recreation sites. In addition to these areas, over 47,000 square kilometres (18,000 sq mi) of arable land are p...
subdivides British Columbia into six ecozones : The area now known as British Columbia is home to First Nations groups that have a deep history with a significant number of indigenous languages. There are more than 200 First Nations in BC. Prior to contact (with non-Aboriginal people), human history is known from oral ...
than the First Nations people, and thus the land should be owned by the colonists. ] : 120 To ensure colonists would be able to settle properly and make use of the land, First Nations were forcibly relocated onto reserves , which were often too small to support their way of life. ] : 120–121 By the 1930s, British Colum...
as being south of 54°40 north latitude, (the southern limit of Russian America ), north of Mexican-controlled California, and west of the Rocky Mountains . It was, by the Anglo-American Convention of 1818 , under the "joint occupancy and use" of citizens of the United States and subjects of Britain (which is to say, th...
of British North America, "administered" by individual HBC trading post managers. With the Fraser Canyon Gold Rush in 1858, an influx of Americans into New Caledonia prompted the colonial office to designate the mainland as the Colony of British Columbia. When news of the Fraser Canyon Gold Rush reached London, Richard...
Saskatchewan ( ⓘ sə- SKATCH -(ə-)wən , .mw-parser-output .IPA-label-small{font-size:85%}.mw-parser-output .references .IPA-label-small,.mw-parser-output .infobox .IPA-label-small,.mw-parser-output .navbox .IPA-label-small{font-size:100%} Canadian French : ] ) is a province in Western Canada . It is bordered on the west...
Territories . ] Saskatchewan is the only province without a natural border . As its borders follow geographic lines of longitude and latitude , the province is roughly a quadrilateral , or a shape with four sides. However, the southern border on the 49th parallel and the northern border on the 60th parallel curve to th...
as well as the Cypress Hills ; drying off to a semi-arid steppe climate (Köppen type BSk ) in the southwestern part of the province. Drought can affect agricultural areas during long periods with little or no precipitation at all. The northern parts of Saskatchewan – from about La Ronge northward – have a subarctic cli...
(Nakoda), and Sioux . The first known European to enter Saskatchewan was Henry Kelsey from England in 1690, who travelled up the Saskatchewan River in hopes of trading fur with the region's indigenous peoples. Fort La Jonquière and Fort de la Corne were first established in 1751 and 1753 by early French explorers and t...
new Canadian Pacific Railway. Riel, who surrendered and was convicted of treason in a packed Regina courtroom, was hanged on November 16, 1885. Since then, the government has recognized the Métis as an aboriginal people with status rights and provided them with various benefits. The national policy set by the federal g...
the wheat economy. ] ] On September 1, 1905, Saskatchewan became a province, with inauguration day held on September 4. Its political leaders at the time proclaimed its destiny was to become Canada's most powerful province. Saskatchewan embarked on an ambitious province-building program based on its Anglo-Canadian cult...
groups. City planning, reform of local government, and municipal ownership of utilities were more widely supported by these two groups, often through such organizations as the Board of Trade. Church-related and other altruistic organizations generally supported social welfare and housing reforms; these groups were gene...
"Treaty Land Entitlement", enabling First Nations to buy land to be taken into reserves with money from settlements of claims. "In 1992, the federal and provincial governments signed an historic land claim agreement with Saskatchewan First Nations. Under the Agreement, the First Nations received money to buy land on th...
Oil and natural gas production is also a very important part of Saskatchewan's economy, although the oil industry is larger. Among Canadian provinces, only Alberta exceeds Saskatchewan in overall oil production. ] Heavy crude is extracted in the Lloydminster-Kerrobert-Kindersley areas. Light crude is found in the Kinde...
and state of the art school house architectural plans provided continuity throughout the province. English as the school language helped to provide economic stability because one community could communicate with another and goods could be traded and sold in a common language. The number of one-room schoolhouse district...
Manitoba ( ⓘ MAN -ih- TOH -bə ) is a province of Canada at the longitudinal centre of the country. It is Canada's fifth-most populous province , with a population of 1,342,153 as of 2021. ] Manitoba has a widely varied landscape, from arctic tundra and the Hudson Bay coastline in the north to dense boreal forest , larg...
land was the Turtle Mountain area. ] The Ojibwe , Cree , Dene , Sioux , Mandan , and Assiniboine peoples founded settlements, and other tribes entered the area to trade. In Northern Manitoba, quartz was mined to make arrowheads . The first farming in Manitoba was along the Red River, where corn and other seed crops wer...
A. Macdonald introduced the Manitoba Act in the House of Commons of Canada , the bill was given Royal Assent and Manitoba was brought into Canada as a province in 1870. ] Louis Riel was pursued by British army officer Garnet Wolseley because of the rebellion, and Riel fled into exile. ] The Canadian government blocked ...
outside investors and immigrants contributing to its success. ] The drop in growth in the second half of the decade was a result of the opening of the Panama Canal in 1914, which reduced reliance on transcontinental railways for trade, as well as a decrease in immigration due to the outbreak of the First World War . ] ...
the Red River Valley. The damage caused by the flood led then-Premier Duff Roblin to advocate for the construction of the Red River Floodway ; it was completed in 1968 after six years of excavation. Permanent dikes were erected in eight towns south of Winnipeg, and clay dikes and diversion dams were built in the Winnip...
lowest at sea level. Riding Mountain , the Pembina Hills , Sandilands Provincial Forest , and the Canadian Shield are also upland regions. Much of the province's sparsely inhabited north and east lie on the irregular granite Canadian Shield, including Whiteshell , Atikaki , and Nopiming Provincial Parks . ] Extensive a...
temperatures as low as −40 °C (−40 °F) occur on several days each winter. ] Manitoba natural communities may be grouped within five ecozones: boreal plains , prairie , taiga shield , boreal shield and Hudson plains . Three of these—taiga shield, boreal shield and Hudson plain—contain part of the Boreal forest of Canada...
followed by Scottish (14.5%), German (13.6%), Ukrainian (12.6%), Irish (11.0%), French (9.3%), Canadian (8.4%), Filipino (7.0%), Métis (6.8%), Polish (6.0%), First Nations (4.5%), Mennonite (3.9%), Russian (3.7%), Dutch (3.3%), Indian (3.0%), and Icelandic (2.4%). ] Indigenous peoples (including Métis) are Manitoba's f...
Ltd. , and Richardson International. ] Manitoba also has large manufacturing and tourism sectors. Churchill's Arctic wildlife is a major tourist attraction; the town is a world capital for polar bear and beluga whale watchers. ] Manitoba is the only province with an Arctic deep-water seaport, at Churchill. ] In January...
base of the Canadian Forces 35 kilometres (22 mi) east of Brandon. During the 1990s, Canadian Forces Base Shilo was designated as an Area Support Unit, acting as a local base of operations for Southwest Manitoba in times of military and civil emergency. ] CFB Shilo is the home of the 1st Regiment, Royal Canadian Horse ...
Quebec ] ( French : Québec ] ⓘ ) ] is one of the thirteen provinces and territories of Canada . It is the largest province by area ] and the second-largest by population , as well as the northernmost province in Canada. With an area of 1.5 million square kilometres (0.58 million square miles) and more than 12,000 km (7...
hockey one of the most popular sports in Canada . It is also renowned for its culture ; the province produces literature , music , films , TV shows , festivals , and more. The name Québec comes from an Algonquin word meaning 'narrow passage' or 'strait'. ] The name originally referred to the area around Quebec City whe...
Saint-Mathieu, established a defence pact with the Innu, Maliseet and Micmacs, that would be "a decisive factor in the maintenance of a French colonial enterprise in America despite an enormous numerical disadvantage vis-à-vis the British". ] Thus also began French military support to the Algonquian and Huron peoples a...
the Great Lakes . ] In the early 1700s, Governor Callières concluded the Great Peace of Montreal , which not only confirmed the alliance between the Algonquian and New France, but definitively ended the Iroquois Wars. ] From 1688 onwards, the fierce competition between the French and British to control North America's ...
military regime led by Governor James Murray . ] In 1762, Commander Jeffery Amherst ended the French presence in Newfoundland at the Battle of Signal Hill . France secretly ceded the western part of Louisiana and the Mississippi River Delta to Spain via the Treaty of Fontainebleau . On February 10, 1763, the Treaty of ...
the west (predominantly Anglo-Protestant) and Lower Canada to the east (Franco-Catholic). Lower Canada's lands consisted of the coasts of the Saint Lawrence River, Labrador and Anticosti Island, with the territory extending north to Rupert's Land , and south, east and west to the borders with the US, New Brunswick, and...
in the Legislative Assembly of the Province of Canada , which created representation problems. In the beginning, Canada East was underrepresented because of its superior population size. Over time, however, massive immigration from the British Isles to Canada West occurred. Since the two regions continued to have equal...
Conference of 1866 , the Quebec Resolutions were implemented as the British North America Act, 1867 and brought into force on July 1, 1867, creating Canada. Canada was composed of four founding provinces: New Brunswick, Nova Scotia, Ontario and Quebec. These last two came from splitting the Province of Canada, and used...
not feel the same connection to the British Empire and there was no direct threat to Canada, French Canadians saw no reason to fight. By late 1916, casualties were beginning to cause reinforcement problems. After enormous difficulty in the federal government, because almost every French-speaking MP opposed conscription...
and desires in response to societal changes such as the television, the baby boom , workers' conflicts , electrification of the countryside, emergence of a middle class , the rural exodus and urbanization , expansion of universities and bureaucracies, creation o
Public auto insurance is a government-owned and -operated system of compulsory automobile insurance used in the Canadian provinces of British Columbia , Saskatchewan , Manitoba , and Quebec . It is based on the idea that if motorists are compelled to purchase auto insurance by the government, the government ought to en...
Third, what is covered within a given category, such as medical benefits, may also differ between jurisdictions. Fourth, different parts of the country differ in areas such as demographics and weather, which may affect the costs of claims as well as accident frequency. Lastly, comparisons with other countries – and the...
has arguably had a large negative impact on ICBC's financial position and been pointed to as the underlying cause of ICBC's forecast for dramatic rate increases totalling over 40%. ] In 2021, ICBC moved over from tort coverage to no-fault coverage. Manitoba Public Insurance (MPI) was created in 1971 by an NDP governmen...
appear in the NDP platform in the 2009 campaign, and during the NDP's majority government, it failed to introduce a public insurance scheme. Public auto insurance was also under consideration by the Newfoundland and Labrador Progressive Conservative government of Danny Williams in 2004 as a "last resort" when private i...
Canada is a country in North America . Its ten provinces and three territories extend from the Atlantic Ocean to the Pacific Ocean and northward into the Arctic Ocean , making it the world's second-largest country by total area , with the world's longest coastline . Its border with the United States is the world's long...
is part of multiple international organizations and forums . While a variety of theories have been postulated for the etymological origins of Canada , the name is now accepted as coming from the St. Lawrence Iroquoian word kanata , meaning "village" or "settlement". ] In 1535, Indigenous inhabitants of the present-day ...
] As a consequence of European colonization, the Indigenous population declined by forty to eighty percent. ] The decline is attributed to several causes, including the transfer of European diseases , to which they had no natural immunity, ] conflicts over the fur trade, conflicts with the colonial authorities and sett...
American English seasonal camp . ] In 1600, the French established their first seasonal trading post at Tadoussac along the Saint Lawrence. ] French explorer Samuel de Champlain arrived in 1603 and established the first permanent year-round European settlements at Port Royal (in 1605) and Quebec City (in 1608). ] Among...
which led to the incorporation of Saint John, New Brunswick , as Canada's first city. ] To accommodate the influx of English-speaking Loyalists in Central Canada, the Constitutional Act of 1791 divided the province of Canada into French-speaking Lower Canada (later Quebec ) and English-speaking Upper Canada (later Onta...
immigration, the Government of Canada sponsored the construction of three transcontinental railways (including the Canadian Pacific Railway ), passed the Dominion Lands Act to regulate settlement and established the North-West Mounted Police to assert authority over the territory. ] This period of westward expansion an...
failed 1942 Dieppe Raid , the Allied invasion of Italy , the Normandy landings , the Battle of Normandy , and the Battle of the Scheldt in 1944. ] Canada provided asylum for the Dutch monarchy while that country was occupied and is credited by the Netherlands for major contributions to its liberation from Nazi Germany ...
outlining the terms of a negotiated departure from Confederation. ] In addition to the issues of Quebec sovereignty, a number of crises shook Canadian society in the late 1980s and early 1990s. These included the explosion of Air India Flight 182 in 1985, the largest mass murder in Canadian history; ] the École Polytec...
regions: the Canadian Shield , the interior plains , the Great Lakes-St. Lawrence Lowlands , the Appalachian region , the Western Cordillera , Hudson Bay Lowlands , and the Arctic Archipelago . ] Boreal forests prevail throughout the country, ice is prominent in northern Arctic regions and through the Rocky Mountains ,...
Newfoundland and Labrador ( NEW -fən(d)-lənd ... LAB -rə-dor, -⁠land ... , .mw-parser-output .IPA-label-small{font-size:85%}.mw-parser-output .references .IPA-label-small,.mw-parser-output .infobox .IPA-label-small,.mw-parser-output .navbox .IPA-label-small{font-size:100%} locally NEW -fən- LAND ... ; French : Terre-Ne...
Nova National Park ). The influence of early Portuguese exploration is also reflected in the name of Labrador, which derives from the surname of the Portuguese navigator João Fernandes Lavrador . ] Labrador's name in the Inuttitut Inuktitut name is Ikkarumikluak ( ᐃᒃᑲᕈᒥᒃᓗᐊᒃ ), meaning "place of many shoals". Newfoundla...
and Labrador make up 4.06 per cent of Canada's area, ] with a total area of 405,720 km 2 (156,650 sq mi). ] Labrador is the easternmost part of the Canadian Shield , a vast area of ancient metamorphic rock making up much of northeastern North America . Colliding tectonic plates have shaped much of the geology of Newfou...
9,000 years. ] The Maritime Archaic peoples were sea-mammal hunters in the subarctic . ] They prospered along the Atlantic Coast of North America from about 7000 BC to 1500 BC. ] Their settlements included longhouses and boat-topped temporary or seasonal houses. ] They engaged in long-distance trade, using as currency ...
engaged in tribal warfare along the coast of Labrador with Inuit groups that had large populations. ] The Miꞌkmaq of southern Newfoundland spent most of their time on the shores harvesting seafood; during the winter they would move inland to the woods to hunt. ] Over time, the Miꞌkmaq and Innu divided their lands into ...
English King Henry VII to "sail to all parts, countries and seas of the East, the West and of the North, under our banner and ensign and to set up our banner on any new-found-land" and on June 24, 1497, landed in Cape Bonavista . Historians disagree on whether Cabot landed in Nova Scotia in 1497 or in Newfoundland, or ...
Hope , Renews , New Cambriol , South Falkland and Avalon (which became a province in 1623). The first governor given jurisdiction over all of Newfoundland was Sir David Kirke in 1638. Explorers quickly realized the waters around Newfoundland had the best fishing in the North Atlantic. ] need quotation to verify ] By 16...
killed, captured for ransom, or sentenced to expulsion to England, with the exception of those who withstood the attack at Carbonear Island and those in the then remote Bonavista . After France lost political control of the area after the Siege of Port Royal in 1710 , the Miꞌkmaq engaged in warfare with the British thr...
the Calvert family's control. The majority Catholic population that developed, thanks to Irish immigration , in St. John's and the Avalon Peninsula , was subjected to same disabilities that applied elsewhere under the British Crown. On visiting St. John's in 1786, Prince William Henry (the future King William IV ) note...
the Napoleonic Wars in 1815, France and other nations re-entered the fish trade and an abundance of cod glutted international markets. Prices dropped, competition increased, and the colony's profits evaporated. A string of harsh winters between 1815 and 1817 made living conditions even more difficult, while fires at St...
In its broadest sense, no-fault insurance is any type of insurance contract under which the insured party is indemnified by their own insurance company for losses, regardless of the source of the cause of loss. In this sense, it is similar to first-party coverage . The term "no-fault" is most commonly used in the Unite...
find it difficult to seek recovery under no-fault. Another criticism is that some no-fault jurisdictions have among the highest automobile-insurance premiums in the country, but this may be more a matter of effect than cause: the financial savings from no-fault may simply make it more popular in areas with higher autom...
a "traditional tort " liability system for auto insurance in which recovery is governed by principles of provable negligence. However, twelve U.S. states and the Commonwealth territory of Puerto Rico require policyholders to operate under a "no-fault" scheme in which individuals injured in automobile collisions are lim...
associated with this system. ] In 2019, the Michigan Legislature changed the state’s no-fault auto insurance law so that drivers will no longer be required to purchase unlimited medical coverage. ] Instead, under the PIP Choice system that was enacted, drivers have the choice of selecting medical coverage with limits o...
Saskatchewan Government Insurance ( SGI ) is a Canadian insurance company and a Crown corporation wholly owned by the Government of Saskatchewan . SGI's operations consist of the Saskatchewan Auto Fund , the compulsory public auto insurance program for Saskatchewan , and its property and casualty insurance division sel...
provisions of The Crown Corporations Act , 1993 , which gives the Crown Investments Corporation , the holding company for Saskatchewan's commercial Crown corporations, the broad authority to set the direction of the corporation. Where required by legislation or policy directive, SGI submits performance management and i...
In an insurance policy, the deductible (in British English, the excess ) is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses. ] In general usage, the term deductible may be used to describe one of several types of clauses that are used by insurance companies as a thr...
post-hospitalization is the extra costs borne by the insured over the maximum coverage that the insurance company pays. This terminology is especially common in areas of insurance sensitive to loss (like liability insurance ) and is addressed by the insurance market through excess line insurance companies through mecha...