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.
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| Direct Compensation Property Damage Required? | Yes.
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| Medical payments: | Up to $50,000/person; four-year time limit.
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| Funeral expense benefits: | $2,500.
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| 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.
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| 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.
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| 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.
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| Right to sue for economic loss in excess of no-fault benefits? | Yes.
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| Administration: | Private insurers.
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Sources: