Newfoundland and Labrador Mandatory Coverage

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

Mandatory Auto Insurance Includes:

Section A – Third-Party Liability  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 their negligence.

Section D – Uninsured Automobile Coverage provides protection for any injuries you or your passengers sustain in a collision where 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, 2022

Mandatory 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 and the balance will be attributed to the bodily injury claim.
Direct Compensation Property Damage Required?Yes.
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 of head of household $10,000; death of dependant $2,000.
Impairment benefits: N/A
Right to sue for pain and suffering? Yes. Awards are subject to a deductible of $5,000.
Right to sue for economic loss in ex cess of no-fault benefits? Yes.
Administration:Private insurers.