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It explains the legal mandate under Quebec’s Act respecting the Société de l’assurance automobile du Québec, describing the panel’s composition, the 2016-2018 contribution amendments under review, and how recommendations are produced. 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Jean-Lesage, bureau 348 Québec (Québec) G1K 8W1  \nPress Release  \nSecond of three press releases  \nReport by the Panel of Experts  \nMANDATE, APPROACH AND COMPOSITION OF THE PANEL OF EXPERTS  \nON AUTOMOBILE INSURANCE CONTRIBUTIONS  \nQuébec, April 30, 2015.– In accordance with the Act respecting the Société de l’assurance automobile du Québec, the Société de l’assurance automobile du Québec (SAAQ) must, before amending insurance contributions, obtain the opinion of a panel of experts established for that purpose. It is within this context that the Panel of Experts on automobile insurance contributions carried out its work, and its report is made public today.  \nAs prescribed by the Act, the Panel of Experts comprises three government-appointed members who represent the actuarial, financial and insurance sectors. The three current members are Mr. Michel Sanschagrin, actuary, who acted as Chair, Ms. Louise Dagnault, chartered professional accountant , and Mr. Lionel Bernier, attorney. The Panel of Experts was asked to give its opinion on the amendments to automobile insurance contributions proposed by the SAAQ for 2016-2018. These amendments were published in November 2014 in a discussion document entitled Proposed Insurance Contributions for 2016-2018.  \nIn its report entitled Un régime en évolution (in French only), the Panel of Experts makes 13 recommendations. These recommendations are listed in a separate press release.  \nMandate of the Panel of Experts  \nThe mandate of the Panel of Experts was to review the approach taken by the SAAQ to determine insurance contributions and verify the data used in support of the proposed amendments. Within the scope of its mandate, the Panel of Experts was required to:  \n􀂃 evaluate the rating criteria for insurance contributions adopted by the SAAQ and ascertain that they correspond, in particular, to the principles of self-financing of the automobile insurance plan, indemnification by road vehicle users, equity and administrative feasibility;  \n􀂃 consider the various risks inherent to each category of insured individuals and the equity to be maintained among these categories;  \n􀂃 consider the financing and funding policy of the SAAQ;  \n􀂃 ensure that insurance contributions are fair and reasonable;  \n􀂃 confirm the overall expenditures the SAAQ deems necessary to cover the costs of indemnities;  \n􀂃 assess the measures taken to promote accident prevention and road safety;  \n􀂃 consider the quality of the services provided to insured individuals;  \n􀂃 consider the relevant economic and social concerns.  \nTelephone: 418 643-7596 | 1 844 295-7596 (toll free) ■ Fax: 418 643-7607 | 1 844 284-7990 (toll free) ■ Email: [email@conseilexpert.aauto.ca](email@conseilexpert.aauto.ca)  \nApproach taken by the Panel of Experts  \nOne of the important aspects of the Panel of Experts’ mandate was holding a public consultation on the SAAQ’s proposal in order to obtain comments, suggestions and recommendations from interested parties. Four briefs werepresented and some groups submitted comments in writing. The authors of the briefs were all heard during a public hearing held in Montréal on March 12, 2015. The members of the Panel of Experts wish to thank all the people who shared their points of view: “The public automobile insurance plan belongs to all insured individuals,” said Mr. Sanschagrin, “and their contribution is essential if the plan is to evolve and adapt to society’s needs.”  \nIn order to fulfill its mandate, the Panel of Experts consulted abundant documentation regarding the various aspects of the activities of the Fonds d’assurance automobile du Québec, including financial statements, annual management reports, valuations of actuarial liabilities, the actuarial report on insurance contributions and the SAAQ’s new funding policy. The Panel of Experts also met with several SAAQ staff members as well as external experts who provided an independent point of view on some of the activities of th","cbCaif3RuealrouK","https://ap.wps.com/l/cbCaif3RuealrouK","pdf",194495,"English","# Mandate of the Panel of Experts\n# Approach taken by the Panel of Experts\n# Biographical notes on the members of the Panel of Experts","[{\"question\":\"What is the Panel of Experts’ mandate regarding automobile insurance contributions?\",\"answer\":\"The panel was tasked with reviewing the approach used by the SAAQ to determine insurance contributions and verifying the data supporting proposed amendments. It had to evaluate rating criteria, risks and equity across insured categories, financing policy, fairness and reasonableness, expenditures, accident prevention and road safety measures, service quality, and relevant economic and social concerns.\"},{\"question\":\"Who are the current members of the Panel of Experts and what roles do they hold?\",\"answer\":\"The panel comprises three government-appointed members representing actuarial, financial, and insurance sectors: Mr. Michel Sanschagrin (actuary, acted as Chair), Ms. Louise Dagnault (chartered professional accountant), and Mr. Lionel Bernier (attorney).\"},{\"question\":\"How did the Panel of Experts approach its work when reviewing the SAAQ’s proposal?\",\"answer\":\"The panel conducted a public consultation to collect comments, suggestions, and recommendations. It reviewed extensive documentation related to the Fonds d’assurance automobile du Québec, including financial statements, annual management reports, actuarial valuations, the actuarial report on contributions, and the SAAQ’s funding policy, and it met with internal staff and external experts.\"}]","Second of three press releases - Report by the Panel of Experts - Mandate, Approach and Composition of the Panel of Experts on Automobile Insurance Contributions | PDF"]