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Newfoundland and Labrador Mandatory Coverage

​​​​​​​​​​​Motor vehicle owners in Newfoundland and Labrador must obtain coverage through a private insurer that meets mandatory regulations.  In the province, $200,000 in third-party liability coverage is mandatory.​

​Mandatory Auto Insurance Includes:

Section A – Third Party Liability which protects the insured Newfoundland and Labrador driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from negligence.

Section D – Uninsured Automobile Coverage  – Which 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 provides a summary of mandatory coverages required by the Newfoundland and Labrador 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, 2019

​​​Compulsory 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 $20,000​

Direct Compensation Property Damage Required:

​Not applicable

​Medical payments:​

​(Optional to buy) Up to $25,000/person; four-year time limit

​Funeral expense benefits:​

​(Optional to buy) $1,000​

​Disability income benefit:​

​(Optional to buy) Maximum $140/week; 104 weeks for partial disability, lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $70/week, maximum 12 weeks​

​Death benefits:​

​(Optional to buy) Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $10,000, plus ​$1,000 to each dependent survivor after first; death of spouse $10,000; death of dependant $2,000​

​Impairment benefits:​


​Right to sue for pain and suffering?

​Yes. Awards for minor injuries are subject to deductible of $2,500​

​Right to sue for economic loss in ex​cess of no-fault benefits?​



​​Private insurers



All online sources were accessed on March 1, 2019