Insurance In Newfoundland and Labrador

Auto insurance in Newfoundland and Labrador is provided by more than 50 private companies.

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 $20,000

Medical payments:

(Optional to buy) $25,000/person; four-year time limit

Funeral expense benefits:

(Optional to buy) $1,000

Disability income benefits:

(Optional to buy) Maximum $140/week; 104 weeks for partial disability; lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $70/week, maximum 12 weeks

Death benefits:

Optional to buy) Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $10,000, plus $1,000 to each dependent survivor after first; death of spouse $10,000; death of dependant $2,000

Impairment benefits:


Right to sue for pain and suffering?

Yes, Awards are subject to deductible of $2,500

Right to sue for economic loss in excess of no-fault benefits?



Private insurers


First-party all perils insurance is compulsory in Manitoba (deductibles vary according to type of vehicle). Policyholders may purchase coverage for economic loss greater than maximum accident benefits. Lawsuits are not permitted with respect to injuries sustained in automobile accidents in Manitoba. Victims and their dependants who reside in Manitoba are compensated by the government insurer for their injuries whether or not the accident occurs in Manitoba.