Left Navigation 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, 2018Compulsory minimum third-party liability:$500,000 is available for any one accidentDirect Compensation Property Damage Required?YesMedical 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 weeksDeath 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/ARight to sue for pain and suffering? Yes. If injury is deemed “minor” under provincial legislation, maximum award is $8,579Right to sue for economic loss in excess of no-fault benefits?YesAdministration: Private insurersNotes: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 March 1, 2018Nova Scotia Standard Automobile Policy S.P.F. No.1, 2013Automobile Insurance Contract Mandatory Conditions RegulationsOffice of the Superintendent of Insurance Bulletins: Minor Injury Cap 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 Links FACTS 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 country. Canadian 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.