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
: Public programs tied to vehicle registration (like in Australia ) typically see near-100% compliance, whereas purely private markets can struggle with high rates of uninsured drivers. Personal injury (CTP) is tied to vehicle registration
: A government agency is the sole provider of all mandatory coverage. In Canada, provinces like Manitoba , Saskatchewan , and British Columbia use this model. provinces like Manitoba