Newfoundland & Labrador Accident Benefits Explained

Public or Private?

Newfoundland and Labrador have private insurance. This means various private insurance companies are responsible for issuing insurance policies and you likely have your own, chosen insurer.

No fault or Tort-based?

 Newfoundland and Labrador have tort-based liability rules. This means an automobile insurer will pay certain benefits only after determining liability and that an injured party can bring a claim in court against the party that allegedly caused their injuries.

Accident benefits in Newfoundland and Labrador


 Up to $50,000.00, with an optional purchase of $25,000.00 in Newfoundland.


are an optional to purchase up to a limit of $1,000.00.


Limited to $250.00 per week for 104 weeks, with an option of purchasing a benefit of $140.00 per week.


$70.00 per week


are limited $25,000.00 (with Newfoundland having the option of purchasing a benefit of up to $10,000.00).

How to claim accident benefits in Newfoundland and Labrador


If you have been injured in a crash and have coverage from another provider (for example, extended health care from your employer or individually purchased disability insurance), your other insurance will be the primary payer for most medical expenses and/or income replacement.

Want to Learn More?

Read about Automobile Insurance Review 2017/18 - Digital Government and Service NL from the Government of Newfoundland and Labrador website. You can also view a copy of the full policy here.
You can also contact the province with your questions via telephone or email here:
If you have further questions about this process, or your benefits, contact your claims adjuster.
If you do not know who your claims adjuster is, contact the insurance company.
You can also contact the Insurance Bureau of Canada at 1-844-227-5422 or the General Insurance Ombudservice at 1-877-225-0446