Northwest Territory Mandatory Coverage

To drive in Northwest Territory, you must secure coverage through a private insurer that meets the minimum territorial regulations. In the territory, $200,000 in third-party liability coverage is mandatory.

The chart below provides a summary of minimum coverages required by the government of Northwest Territory. Please refer to the list of sources for more details.

This information is for educational purposes only. We recommend you consult a qualified insurance professional for further assistance.

As of January 1, 2020

Compulsory minimum third-party liability:$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000
Direct Compensation Property Damage Required?Not applicable
Medical payments:Up to $25,000/person, four-year time limit
Funeral expense benefits:$1,000
Disability income benefits:80% of gross weekly wages to maximum $140/week; 104 weeks for temporary disability; lifetime for total disability; nothing is payable for the first seven days of disability; unpaid housekeeper $100/week, maximum 12 weeks
Death benefits:Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $10,000, plus $1,500 to single survivor or $2,500 to each survivor after first if more than one; death of spouse of head of household $10,000; death of dependant $2,000
Impairment benefits:N/A
Right to sue for pain and suffering?Yes
Right to sue for economic loss in excess of no-fault benefits?Yes
Administration:Private insurers



All online sources were accessed on March 1, 2020