Section B Benefits in Atlantic Canada, the Guide

Section B benefits are the no-fault accident benefits inside every standard automobile policy in New Brunswick, Nova Scotia and Prince Edward Island, and optional coverage in Newfoundland and Labrador. They pay medical and rehabilitation costs and a weekly amount while you cannot work, regardless of who caused the crash, and they run alongside any claim against the driver at fault and do not replace it. Accepting them does not settle your claim against the driver at fault. Physiotherapy, chiropractic care, prescriptions and travel to treatment are the everyday expenses they cover first. For unfamiliar wording, the legal glossary explains benefit terminology and policy limits alongside the other terms used in an insurance claim.

Who This Guide Is For

Anyone hurt in a crash in Atlantic Canada who has been handed claim forms by their own insurer, or has not been told the benefits exist. The firm opens Section B benefits on nearly every car accident file in the first week, and the steps are on what we can do for you.

Section B Benefits Differ by Province and by Policy

When more than one policy could answer, the question is who pays: see who pays. The rules differ by province: New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador, where the coverage is optional and not standard. The standard policy wording is approved under each province’s Insurance Act, and the regulations are published on CanLII.