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Auto Coverage

In Nova Scotia, you can meet your mandatory auto insurance requirements while customizing as you see fit. Understand each option to stay protected on the road.

Mandatory Coverages

There are mandatory coverages required by law for all registered vehicles that are used on public roads. In Nova Scotia, it is mandatory for vehicle owners and drivers to have Third Party Liability coverage for Bodily Injury and Property Damage and Accident Benefits coverage. "Third Party" refers to someone other than the insured (first party) or the insurer (second party).

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Third Party Liability

This coverage protects you as the vehicle owner, along with drivers, in the event they negligently cause injury, death, or property damage to someone else (a third party).

Accident Benefits

This coverage ensures that certain medical treatment expenses are paid in the unfortunate event that vehicle owners/drivers are injured or killed.

Mandatory coverages in Nova Scotia include:

  • Protecting the vehicle owner or driver who negligently causes injury to a third party, which could include another driver or a pedestrian.
  • Protecting the vehicle owner or driver who negligently causes damage to property of a third party. For example, you could collide into a neighbour's fence and cause damage.
  • Paying certain medical treatments of those injured or killed in an automobile accident.
  • Protecting the vehicle owner or driver if they are injured or killed by an uninsured driver, or by a hit-and-run driver (known as an "unidentified driver").
  • Providing coverage for the vehicle owner or driver if their vehicle is damaged in an accident caused by another driver.

For more information about mandatory auto coverage in Nova Scotia, please visit the Insurance Bureau of Canada website.

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Optional Coverage

Depending on your unique auto coverage needs, you have options. We recommend discussing these with your insurance broker to arrange coverage best suited to your needs.

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Specified Perils Coverage

This type of coverage lists the specific events that are covered if damage to your vehicle occurs.

Common events that may be covered include:

  • Fire
  • Theft or attempted theft
  • Lightning
  • Windstorm / hail
  • Explosion
  • Rising water

Collision Coverage

Provides coverage if your vehicle is damaged in a collision with another vehicle or object, or if the vehicle is overturned (known as "Upset").

Comprehensive Coverage

Provides coverage if your vehicle is damaged for any reason other than Collision or Upset. This coverage expands to the Specified Perils coverage and may also provide coverage for:

  • Falling or flying objects
  • Vandalism

All Perils Coverage

This is the most complete option. All Perils coverage option combines Collision coverage and Comprehensive coverage. This option also covers theft by a person who lives in your household.

Customized Coverages

Most auto insurance policies allow you to customize coverage for your specific needs. Below you'll find common policy addition options available in Nova Scotia (also referred to as "policy endorsements" or "policy change forms"), which you can discuss with your broker.

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Is your vehicle undriveable after an accident?

Loss of Use coverage pays for your rental vehicle in the event you are unable to drive your vehicle as a result of an accident. There are usually several levels of coverage. Your broker will be able to assist you in selecting the proper coverage for your specific needs.

Are you likely to borrow or rent a vehicle?

Legal Liability for Physical Damage to a Non-Owned Automobile coverage protects you against any physical damage caused to a vehicle that you do not own while you are driving it with the owner’s permission. This may include borrowing a vehicle from a friend or renting a vehicle while on vacation.

Note: This does not apply to vehicles owned by people that live in your household.

Do you own a brand new vehicle?

Limited Waiver of Depreciation coverage protects you in the event your new model vehicle is written off. This coverage also ensures that you will receive the amount that you paid for your new vehicle at the time of purchase, with no deduction for depreciation. Your broker will be able to explain if this coverage is right for you.

Covering the costs of injuries from car accidents

What happens if you get into a collision with someone who doesn't have enough insurance to cover the cost of an injury that you, or your family member, sustained in the accident? What can you do to protect yourself and those closest to you?

Family Protection coverage is added to protect you and members of your household for bodily injury or death in the event of a vehicle accident with someone else who does not carry enough insurance to pay for your injuries — also known as an under-insured third party driver.

With this coverage, you will be able to claim the difference between the amount of coverage the other driver carries and the amount of coverage you have purchased on your own policy. This coverage is added automatically to all vehicles that carry third party liability and accident benefits.

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