40) What is no-fault insurance? 41) What is the purpose of the Canadian Medical Protective Association?

40) **No-fault insurance**, in the context of auto insurance, is a system where individuals involved in a car accident are compensated by their *own* insurance company, regardless of who was at fault for the accident. This differs from a traditional "at-fault" system where the at-fault driver's insurance company is responsible for paying for damages. The extent of no-fault coverage varies by jurisdiction. Some no-fault systems cover only specific damages like medical expenses and lost wages, while others may cover property damage as well. While no-fault insurance can speed up the claims process and reduce litigation, it can also limit the ability to sue for pain and suffering unless the injuries meet a certain threshold.41) The **Canadian Medical Protective Association (CMPA)** is a not-for-profit organization that provides legal defense, liability protection, and risk management education to physicians and other healthcare professionals in Canada. Its primary purpose is to protect the integrity of the medical profession by supporting its members in the face of medico-legal difficulties, including medical malpractice lawsuits. The CMPA provides legal representation, covers legal costs and court-awarded damages, and offers educational resources to help its members prevent medico-legal problems. It's important to note that the CMPA is not an insurance company in the traditional sense, but rather a mutual defense organization.