Question 9: What types of vehicles does the Board regulate?

The Board has regulatory responsibilities related to the following types of vehicles:

• Private Passenger Automobiles - includes typical cars and trucks driven for personal and/or limited business use on public roadways by most individuals.

• Commercial Vehicles - includes vehicles designed or used primarily to transport materials, goods, tools or equipment in connection with an occupation or business.

• Miscellaneous Vehicles - includes the following vehicles when used for personal use only: (i) motorcycles, (ii) all-terrain vehicles, (iii) mopeds, (iv) snowmobiles, (v) trailer homes, (vi) antique cars, and (vii) classic cars.

• Public Vehicles - includes vehicles used primarily to provide transportation services to the public such as ambulances, daily rental vehicles, funeral hearses, private buses, public buses, school buses and taxis.

Please note that fleet-rated automobile insurance business is exempt from filing rates with the Board. A fleet is defined as a group of at least 5 automobiles under common ownership that satisfies the criteria set out in Regulations NLR 56/19.