Which provinces offer only government compulsory auto insurance?

The correct response identifies British Columbia, Manitoba, and Saskatchewan as provinces that provide only government compulsory auto insurance. In these provinces, the auto insurance model is structured so that the provincial government is responsible for providing the basic compulsory coverage required for all drivers.

In British Columbia, the Insurance Corporation of British Columbia (ICBC) is the sole provider of basic auto insurance, reflecting the province's commitment to government-managed insurance to ensure access and affordability for all drivers. Similarly, Manitoba has the Manitoba Public Insurance Corporation (MPIC), which offers mandatory coverage through a government-run model. Saskatchewan operates under the Saskatchewan Government Insurance (SGI), similarly offering a government-managed compulsory insurance system.

The structure in these provinces contrasts with those that allow for a private market system, where insurance can be purchased from various private insurers, resulting in competitive rates and options.

Other provinces mentioned in the incorrect answers may have varying degrees of private involvement or alternative insurance arrangements, thereby not fitting the criteria of offering only government compulsory auto insurance. Understanding this distinction is vital for recognizing how different provinces manage auto insurance, particularly in contexts concerning consumer protection and accessibility.