Countries like , Saudi Arabia , and the UAE mandate insurance, often through a mix of state-owned and private firms. Public vs. Private: Key Differences
: Many government programs favor a "no-fault" model to reduce legal costs and speed up claims, whereas private markets often use "tort" systems where fault must be determined before payment. government auto insurance programs
, Manitoba , and Saskatchewan have full government insurers; Quebec uses a public personal injury fund with private property insurance. Australia Countries like , Saudi Arabia , and the
: The government handles specific types of claims, such as personal injury, while private insurers cover property damage. Australia ’s "Compulsory Third Party" (CTP) system is a prime example. Regional Highlights Primary Model Key Features Canada and the UAE mandate insurance