Left Navigation Newfoundlanders and Labradorians Deserve Better Auto Insurance Newfoundland and Labrador drivers make more claims, which cost more to settle than drivers in other Atlantic provinces. That makes the system more expensive for everyone. For the first time in 14 years, Newfoundland and Labrador is reviewing the auto insurance system. We need change. It’s time to make the auto insurance system work better for everyone. Get the facts:Claims costs are out of control in this province. That pressure has put premiums out of reach and has made driving unaffordable for too many of us. Provinces with a cap have lower premiums than drivers in Newfoundland and Labrador.A pain and suffering damages cap would apply only to those injuries that resolve within days, weeks, or months – according to the definition of "minor injury."A cap means you can still sue.Most people in our province support a cap in minor injuries (Source: CRA polling data, 2018).Learn more about what a cap really means for auto insurance in NL The Review ProcessFor the first time in 14 years, Newfoundland and Labrador is reviewing the auto insurance system. Learn more.The ProblemIn addition to high claim amounts, there are many factors fuelling the cost of auto insurance in this province. Learn more.The SolutionChanges must be made so we have a sustainable auto insurance system that works for everyone. Learn more. All About Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Related Services Useful LinksInsurance BasicsWithout insurance, driving a car, buying a home or starting a business would be an unaffordable risk.Insurance-Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions. Crisis ManagementIf you find yourself in a crisis situation, never admit liability. 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.