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, 2022Mandatory 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/ARight 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. Sources:Automobile Insurance Act, Chapter A-22Newfoundland & Labrador Standard Automobile Policy S.P.F. No.1, effective January 1, 2020 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. 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 countryCanadian 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.