Insurance In Nova Scotia

Auto insurance in Nova Scotia is provided by more than 60 private companies that compete for customers.

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:


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:


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?



Private insurers