Auto insurance in Nova Scotia is provided by more than 60 private companies that compete for customers.
Insurance Coverage in Nova Scotia
Compulsory minimum third-party liability
$500,000 is available for any one accident
Medical payments
$50,000/person, including rehabilitation, excluding health insurance and other medical plans; time limit is four years
Funeral expense benefits
$2,500
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
Death benefits
Death within 180 days (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/partner $25,000; death of dependant $5,000
Impairment benefits
N/A
Administration
Private insurers
Right to sue for pain and suffering?
Yes, but if injury a “minor injury,” maximum award is $8,213
Right to sue for economic loss in excess of no-fault benefits?
Yes
Notes
None
