Northwest Territories Accident Benefits Explained
Public or Private?
he Northwest Territories 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?
The Northwest Territories 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 the Northwest Territories
MEDICAL AND REHABILITATION BENEFITS
up to $10,000.00
STANDARD AUTOMOBILE POLICIES
$25,000
DEATH BENEFITS
range from $1,000 to $10,000, depending on such factors as the status of the deceased at the time of the accident (including their age and position within the household) and the number of dependents, as examples.
INCOME REPLACEMENT BENEFITS
Northwest Territories have a weekly benefit of $140 (or 80% of the insured's gross income, less any applicable statutory deductions for, as an example, collateral benefits).
HOUSEKEEPING BENEFIT
$100 weekly
How to claim benefits
Notify all insurers (yours, your passenger's, and any other drivers involved) if you were injured in a motor vehicle accident as soon as possible. Collecting insurance information at the scene is crucial for making sure all the right insurance companies know what they need to do. First, consult your own automobile policy for how to report a claim to your insurer.
if you were a passenger, consult the policy of the driver
if you were a cyclist or pedestrian consult the policy of the “striking” vehicle must be notified
The insurers you contact will provide a form called the Accident Benefits Notice of Claim that you must complete and return promptly to begin receiving benefit payments and reimbursements for expenses. You may also be asked to complete:
You should expect to receive payments from the insurer to reimburse you for expenses within 30 days upon receiving documentation. To avoid unnecessary delays in receiving your benefits, you should:
Ensure all forms are completed and returned as soon as possible;
Submit original documents to insurers and retain copies for your records;
Ask your doctor to note “motor vehicle accident” on any referral documents;
Check with your private health insurance provider to make sure you are covered before submitting expenses to the insurer. (This also allows you to get the most out of your benefits).
If you are missing work due to your injuries, you should also ask your doctor to estimate the date you will return to work or note when you will be returning to the doctor for reassessment. You must also apply for short-term disability benefits from your private insurer and/or Employment Insurance sickness benefits before you can access income replacements.
Remember:
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?
The Northwest Territories regulate their accident benefits through the Northwest Territories Standard Policy.
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.
