Left Navigation New Brunswick Mandatory Coverage Owners of motor vehicles in New Brunswick must obtain coverage through a private insurer that meets minimum provincial regulations. In the province, $200,000 in third-party liability coverage is mandatory. Mandatory Auto Insurance Includes: Section A – Third Party Liability protects insured New Brunswick drivers and/or the registered vehicle owners in the event they cause injury, death or property damage to a third party resulting from negligence.Section B – Accident Benefits coverage pays for medical treatment, income replacement and other benefits to eligible claimants. Accident benefits are “no-fault benefits,” which means the insurer, regardless of who caused the collision, pays these to their insurance claimants. Section D – Uninsured Automobile Coverage provides protection for any injuries you or your passengers sustain if an uninsured driver is at fault. Section D also provides protection to your damaged vehicle but only if the at-fault uninsured driver is identified. The chart below summarizes the minimum coverage required by the New Brunswick government. Please refer to the list of sources for more details. This information is for educational purposes only. Consult a qualified insurance professional for further assistance. As of January 1, 2017Compulsory minimum third-party liability:$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000Direct Compensation Property Damage Required:YesMedical payments: Up to $50,000/person; four-year time limitFuneral expense benefits: $2,500Disability income benefits: Maximum $250/week; 104 weeks for partial disability, lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $100/week, maximum 52 weeksDeath benefits: Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $50,000, plus $1,000 to each dependent survivor after first; death of spouse/partner of head of household $25,000; death of dependant $5,000Impairment benefits:N/ARight to sue for pain and suffering? Yes. If injury is deemed “minor” under provincial legislation, maximum award is $7,818.87Right to sue for economic loss in excess of no-fault benefits?YesAdministration: Private insurers Sources:All online sources were accessed on April 1, 2017New Brunswick Standard Owner's Automobile Policy N.B.P.F. No.1 (Effective October 1, 2010) Injury Regulation, NB Reg 2003-20Financial and Consumer Services Commission. Notice Re: Annual IndexationFinancial and Consumer Services Commission: Automobile insuranceThe New Brunswick auto insurance system is subject to change. Auto Insurance Q & AQuestions to ask your insurance representative.All about Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Related ServicesMandatory CoverageOwners of motor vehicles in New Brunswick must obtain coverage through a private insurer that meets minimum provincial regulations. In the province, $200,000 in third-party liability coverage is mandatory. Useful LinksFACTS of the Property & Casualty Insurance IndustryThe FACTS of the Property & Casualty Insurance Industry is published by Insurance Bureau of Canada (IBC), the trade association representing Canada’s private property and casualty (P&C) insurance companies. IBC has published FACTS since 1972 to provide a snapshot of the state of the P&C insurance industry. Buying Auto InsuranceKnow how insurance premiums are calculated, where to turn for insurance if you are a higher-risk driver and what additional auto insurance coverage is available. Insurance Premium AllocationThe premiums of many policyholders pay the claims of the few who suffer a claim. Insurers put premiums toward a mix of claims costs, investments and operational expenses. Types of CoverageCollision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Canadian Loss Experience Automobile Rating (CLEAR)Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it.