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Nova Scotia Mandatory Coverage


Nova Scotia Mandatory Coverage

​​​​Motor vehicle owners in Nova Scotia must obtain coverage through a private insurer that meets minimum provincial regulations.  In the province, $500,000 in third-party liability coverage is mandatory. 


The 3 Sections Included in Mandatory Auto Insurance 

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

Section B – Accident Benefits coverage pays for medical treatment, income replacement and other benefits if you are injured in a collision. Accident benefits are “no-fault benefits,” which means your own insurer, regardless of who caused the collision, pays these to you. 

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 minimum coverages required by the Nova Scotia 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, 2017

​​Compulsory minimum ​​third-party liability:

​$500,000 is available for any one accident

Direct Compensation Property Damage Required?

Yes

Medical payments:

​Up to $50,000/person; four-year time limit

​Funeral expense benefits: 

​$2,500

​Disability income benefits: 

80% of gross weekly income (less any payments for loss of income); 104 weeks partial disability; lifetime if totally disabled (incapable of performing essential duties); maximum $250/week; must be disabled for at least 7 days to qualify; unpaid housekeeper, if completely disabled, $100/week for maximum of 52 weeks

​Death benefits: 

​Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $25,000, plus $1,000 to each dependent survivor after first; death of spouse/partner $25,000; death of dependant $5,000

​Impairment benefits:

​N/A

​Right to sue for pain and suffering? 

​Yes. If injury is deemed “minor” under provincial legislation, maximum award is $8,486

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

​Yes

​Administration: 

​ Private insurers​

​Notes:

​Optional Section B benefits are not available as of April 1, 2012. Instead, they are built in the standard coverage.​

 

​​Sources: 

All online sources were accessed on April 1, 2017