Government Auto Insurance Programs Apr 2026

, Manitoba , and Saskatchewan have full government insurers; Quebec uses a public personal injury fund with private property insurance. Australia

Mandatory "CALI" insurance covers third-party injury with low limits; most drivers buy supplemental private policies for full protection. Public-Private government auto insurance programs

Countries like , Saudi Arabia , and the UAE mandate insurance, often through a mix of state-owned and private firms. Public vs. Private: Key Differences , Manitoba , and Saskatchewan have full government

: 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 Public vs

: State programs internalize the "social cost" of accidents, giving governments a direct financial incentive to invest in road safety and stricter licensing. Global Perspectives on Mandatory Insurance