Left Navigation What a Minor Injury Cap Could Mean for NL Introducing a cap on minor injuries is the quickest action the NL government can take that is proven to address the most pressing issues facing NL drivers: high insurance rates and too few insurance companies to choose from. In other provinces, including New Brunswick (NB) and Nova Scotia (NS), a cap has brought annual insurance costs down. What is the cap and what will it do?The cap is a maximum amount that would be paid out for “pain and suffering” damages when you make a minor injury claim as a result of a collision. It would apply whether you were a driver or passenger, or even a pedestrian. The capped payment is in addition to other payments your auto insurance policy (or if you’re a passenger, the driver’s insurance policy) covers, such as compensation for your lost wages/time off work, medical bills and getting your car fixed.Big-dollar payouts for the non-financial impact of minor, short-term injuries create a very expensive auto insurance system. By putting a cap on these payouts in specific circumstances, insurance rates can be stabilized for all drivers.A cap system could also work well with another recommendation of the insurance industry: pre-approved treatment protocols that get you, the victim, into treatment faster, and give you a personalized recovery plan that evolves as you heal. NS and Alberta have these programs and they are working well for consumers, medical practitioners and insurers.The benefits of this system are: Keeps all your current protections and policy benefits: your auto policy would pay these firstAllows faster access to treatment: no need for multiple medical assessmentsEnables faster recovery time under the treatment protocolsReduces wait times for claims processing and paymentOffers more treatment benefits for collision victims (we’re advocating to double them)Maintains your current rights: you can still sue the at-fault driver under a cap systemOver time, insurance rates will stabilize. Additional Information: It's Time For Change Solutions to Stabilize Rates Frequently Asked Questions 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 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.