Which of the following is one of the two ways automobile insurance is distributed in Canada?

The distribution of automobile insurance in Canada primarily occurs through private insurance companies or Crown corporations. This system allows for a variety of insurance products to be offered in a competitive market, giving consumers options according to their needs. Private insurance companies are responsible for underwriting policies, handling claims, and determining rates based on risk assessment. Crown corporations, which are government-owned entities, may also provide automobile insurance in certain jurisdictions, ultimately contributing to the availability of coverage.

The other options do not accurately represent how automobile insurance is distributed in Canada. Banks and credit unions, while they may offer banking and financial products, do not typically act as primary distributors of automobile insurance. Public offerings through stock exchanges relate more to how companies raise capital rather than how insurance policies are sold. Government-run health departments focus on public health initiatives and do not engage in the distribution of automobile insurance. Thus, the correct answer recognizes the primary role of private entities and government corporations in providing this essential coverage.