New Brunswick Mandatory Coverage
Owners of motor vehicles in New Brunswick must obtain coverage through a private insurer that meets minimum provincial regulations. In the province, $200,000 in third-party liability coverage is mandatory.
Mandatory Auto Insurance Includes:
Section A – Third Party Liability protects insured New Brunswick drivers and/or the registered vehicle owners in the event they cause injury, death or property damage to a third party resulting from negligence.
Section B – Accident Benefits coverage pays for medical treatment, income replacement and other benefits to eligible claimants. Accident benefits are “no-fault benefits,” which means the insurer, regardless of who caused the collision, pays these to their insurance claimants.
Section D – Uninsured Automobile Coverage provides protection for any injuries you or your passengers sustain if an uninsured driver is at fault. Section D also provides protection to your damaged vehicle but only if the at-fault uninsured driver is identified.
The chart below summarizes the minimum coverage required by the New Brunswick government. Please refer to the list of sources for more details. This information is for educational purposes only. Consult a qualified insurance professional for further assistance.
As of January 1, 2019
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
Direct Compensation Property Damage Required:
Up to $50,000/person; four-year time limit
Funeral expense benefits:
Disability income benefits:
Maximum $250/week; 104 weeks for partial disability, lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $100/week, maximum 52 weeks
Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $50,000, plus $1,000 to each dependent survivor after first; death of spouse/partner of head of household $25,000; death of dependant $5,000
Right to sue for pain and suffering?
Yes. If injury is deemed “minor” under provincial legislation, maximum award is $8,166.67
Right to sue for economic loss in excess of no-fault benefits?
All online sources were accessed on March 1, 2019
- New Brunswick Standard Owner's Automobile Policy N.B.P.F. No.1, effective December 18, 2018 - as published in the Royal Gazette on January 9, 2019 (pages 10-14).
- Injury Regulation, NB Reg 2003-20
- Financial and Consumer Services Commission: Notice Re: Annual Indexation
- Financial and Consumer Services Commission: Automobile insurance