Government Auto Insurance Programs Page

Personal injury (CTP) is tied to vehicle registration and often managed by government-regulated bodies, while property damage is entirely private.

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

: 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 Personal injury (CTP) is tied to vehicle registration

: 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 such as personal injury