Nova Scotia Auto Insurance

"Being insured is the law in Nova Scotia"

Consumers have questions and so did we

• What are the types of insurance coverage and what are the amounts required for the province of Nova Scotia.

• What does the law say pertaining to minimum insurance coverage in Nova Scotia?

Nova Scotia has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways.

To adhere to Nova Scotia's auto insurance rules, you must...

In Nova Scotia, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Nova Scotia requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Nova Scotia, you must have at least $500,000.00 of third party liability insurance, although it is much more common to have $1,000,000.00 of coverage. Uninsured and unidentified driver’s coverage, as well as accidental benefits coverage rate varies from policy to policy, so shop around.

2. In Nova Scotia, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. If you are in an accident and you are not wearing your seat belt, which is mandatory in Nova Scotia, your insurance could be void and you would be responsible for all damages that occur.

Important facts about auto coverage in Nova Scotia:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Nova Scotia

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