2005 Insurance Benchmark Hearing
- Documentation -

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Order - Benchmark Rates   Board Order: A.I. 1 (2005) Issued March 11, 2005 PUB Press Release Issued March 11, 2005   PARTICIPATING   How To Participate In The Hearing Rules of Procedure Schedule Of Dates as of Oct 4, 2004 Schedule Of Dates as of Oct 14, 2004 Schedule Of Dates as of Oct 19, 2004 Schedule Of Dates as of Oct 22, 2004 Schedule Of Dates as of Oct 25, 2004     (Most Recent) Notice of Pre-Hearing Intervention Notice of Intervention - Consumer Advocate Notice of Intervention - Insurance Bureau of Canada Notice of Intervention - Susan Williams: New Democratic Party Intervenor Submissions - Benchmark Hearing Intervenor Submission - Consumer Advocate Intervenor Submission - Insurance Bureau of Canada Intervenor Submission - Victoria Harnum: Advocates of Fair Auto Insurance Intervenor Submission - AVIVA: Scottish & York Insurance Company Intervenor Submission - AVIVA: Traders General Insurance Company Intervenor Submission - AVIVA: Aviva Insurance Company of Canada Intervenor Submission - AVIVA: Elite Insurance Company Intervenor Submission - AVIVA: S & Y Insurance Company Intervenor Submission - Dominion of Canada General Insurance Company Intervenor Submission - Insurance Corporation of Newfoundland Limited Intervenor Submission - Unifund Assurance Company Intervenor Submission - Metro General Insurance Company Metro General Insurance Company: Limited Participation Intervenor Submission - Insurance Brokers Association   Reports / Documents   Current 2004 Private Passenger Auto Ins Benchmark Ranges Terms of Reference: Established By NL Government Actuarial Reports Mercer - 2005 Automobile Insurance Benchmark Report Mercer - 2005 Automobile Insurance Benchmark Report - Appendices Mercer - 2005 Automobile Insurance Benchmark Report - Supplemental Consumer Advocate Actuarial Report Prepared by Milliman Inc.    * Revised Exhibits to CA Actuarial Report Prepared by Milliman Inc. (Oct 26, 2004) IBC Actuarial Report Prepared by Ronald Miller of Exactor Insurance Services Inc    * Mr. Ronald Miller - Curriculum Vitae Return on Equity NERA Report - Cost Of Equity Capital for Automobile Insurance Firms NERA Report - Cost Of Equity Capital for Automobile Insurance Firms: Addendum Oct 25, 2004 CA Witness: Dr. Basil Kalymon - Prefiled Evidence IBC Witness: Norma Nielson - Prefiled Evidence IBC Witness: Kathleen McShane - Prefiled Evidence Presentations / Submissions Advocates of Fair Auto Insurance: Written Presentation to the Board Dominion Of Canada Insurance Company: Letter of Comment The Co-operators Group: Letter of Comment Additional Pre-Filed Evidence IBC Witness: Henning Norup - Vehicle Rate Group Methodology IBC Witness: Gary Kapac - IBC Automobile Data Review Process IBC Witness: Nathaniel Shapo - Prefiled Evidence IBC Witnesses: Don Forgeron / Jane Voll - Prefiled Evidence CA Witness: Edwina Walsh - Prefiled Evidence CA Witness: Kimberley Harding - Prefiled Evidence CA Witness: Lenora Taylor - Prefiled Evidence CA Witness: Barbara Reid - Prefiled Evidence CA Witness: Barbara Reid - Prefiled Evidence Amended Nov. 15, 2004   Correspondence   PUB Letter: List of Intervenors and Schedule of Dates - as of October 20, 2004 PUB Letter: CA additional witness - Barbara Reid: November 2, 2004 IBC Issues List - October 20, 2004 IBC Witness List - October 22, 2004 IBC Witness List - Amended October 25, 2004 IBC Letter to Board - Gary Kapac To Give Evidence IBC Letter to Board - No Objection to CA Request to Call Witness Barbara Reid Consumer Advocate Issues List - October 18, 2004 Consumer Advocate Witness List - October 22, 2004 Unifund Letter to PUB - October 25, 2004   Hearing Documents   Exhibits Undertakings Information   Final Submissions   Final Submission - Board Hearing Counsel Final Submission - Insurance Bureau of Canada Final Submission - Unifund Assurance Company Final Submission - Consumer Advocate (Complete: 10.9 MB)      - CA Submission Breakdown: Submission 0.4 MB      - CA Submission Breakdown: Scanned Appendices 10.5 MB   Transcripts   October 4, 2004*             November 3, 2004                     November 10, 2004 October 26, 2004            November 4, 2004 (Revised)     November 15, 2004 October 27, 2004            November 8, 2004                      November 16, 2004 October 28, 2004            November 9, 2004 * Pre-Hearing Conference   Press / Notices   September 22, 2004 - PUB Notice of Pre-Hearing Conference October 6, 2004 - PUB Notice of 2005 Insurance Benchmark Hearing October 25, 2004 - PUB Media Release: 2005 Insurance Benchmark Hearing Commencement March 11, 2005 - PUB Media Release: 2005 Insurance Benchmark Rates Released     Legislation   Automobile Insurance Act Insurance Companies Act Chapter 27 Public Utilities Act Board of Commissioners of Public Utilities Regulations, 1996 under the Public Utilities Act

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