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Mandatory 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 and the balance will be attributed to the bodily injury claim.
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Direct Compensation Property Damage Required? | Not applicable | |
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If no-fault option selected: |
If tort option selected: |
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Medical payments: | Up to $7,397,579/person.
| Up to $ 28,952 /person for non-catastrophic injury, up to $ 217,139 for catastrophic injury.
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Funeral expense benefits: | $11,094.
| $7,238.
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Disability income benefits: | 90% of net wages based on actual gross annual income that is less than $ 105,430/year; nothing payable for the first seven days of disability, unless catastrophically injured, as defined in the legislation and/or regulations. | Up to two years (lifetime if unable to return to any job); maximum $ 24,544/year for total disability; up to one year maximum $ 12, 272 for partial disability. |
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Death benefits: | 45% of deceased’s net income benefit to spouse; 5% of deceased’s net income to each dependent child; if no spouse, $16,642 to each surviving parent or child (21 years or older), to maximum $74,894; death of dependent child $33,285.45% of deceased's net income benefit to spouse; 5% of deceased's net income to each dependent child or disabled adult; if no spouse, $16,958 to each surviving parent or child (21 years or older), to maximum $ 76,317; death of dependent child $ 33,917.
| 45% of deceased's net income; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $14,476.
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Impairment benefits: | Up to $ 211,990/person for non-catastrophic injury, up to $ 258,915 for catastrophic injury. | Up to $ 14,476 /person for non-catastrophic injury, up to $ 188,187 for catastrophic injury.
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Right to sue for pain and suffering? | No.
| Yes, subject to a deductible of $5,000.
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Right to sue for economic loss in excess of no-fault benefits? | Yes.
| Yes.
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Administration: | Government (government and private insurers compete for optional and excess coverage)
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