Nova Scotia Mandatory Coverage

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

Mandatory Auto Insurance Includes:

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 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 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, 2022

Mandatory 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 or common-law 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 $9,300.
Right to sue for economic loss in excess of no-fault benefits?Yes.
Administration:  Private insurers.