Which provinces do not utilize the Facility Association?

The correct choice reflects the provinces that do not utilize the Facility Association, which is an organization that provides access to automobile insurance for those who are unable to obtain coverage through the standard market.

British Columbia, Saskatchewan, Manitoba, and Quebec each have their own universal or government-operated insurance schemes that serve as alternatives to traditional private insurance markets. For instance, British Columbia operates under the Insurance Corporation of British Columbia (ICBC), which provides mandatory basic insurance for all drivers. Similarly, Saskatchewan has its own auto insurance plan, and Manitoba operates a public insurance model as well. Quebec also has its unique system that includes a public component for accident coverage.

Due to these established systems, these provinces do not rely on the Facility Association for automobile insurance coverage, as their government-run models effectively serve the needs of drivers. This leads to the conclusion that this choice accurately identifies the provinces that do not utilize the Facility Association.