Auto insurance inwards Nova Scotia is provided yesteryear to a greater extent than than sixty individual companies that compete for customers yesteryear offering a dissimilar mix of price, coverage together with service. Everyone who wants to drive a machine inwards Nova Scotia must yesteryear police describe purchase a minimum amount of insurance.
Vehicle owners must accept coverage for third political party liability, accident benefits, together with to protect them inwards instance they are inwards accidents caused yesteryear uninsured together with unidentified motorists. It is also possible to purchase purchase additional liability coverage equally good equally optional collision and comprehensive coverage – exactly this is non required yesteryear law.
Having the correct auto insurance coverage is essential for everyone who relies on a machine to teach around. When Nova Scotians are involved inwards accidents, their insurance companies assist them teach better, back upward them if they are unable to work, together with protect them financially if they wound someone else together with are sued for it.
In Canada, provincial governments create upward one's heed which mandatory benefits are included inwards the auto insurance product.
The Nova Scotia authorities enacted reforms inwards 2003 that helped trim back the cost of auto insurance. Since then, the average cost of auto insurance inwards Nova Scotia has dropped virtually 27% – from $1,069 inwards August 2003 to $783 inwards Oct 2012. Nova Scotia drivers currently pay or thus of the lowest auto insurance rates inwards the the world together with bask generous accident benefits.
In 2012 together with 2013, equally component subdivision of the Fair Auto Insurance Reforms, the provincial authorities made additional changes to Nova Scotia’s auto insurance system.
Minimum Required Auto Insurance Coverage inwards Nova Scotia
As of Apr 1, 2013
| Compulsory minimum third-party liability: | $500,000 is available for whatever 1 accident |
| Medical payments: | $50,000/person, including rehabilitation, excluding wellness insurance together with other medical plans; fourth dimension bound is 4 years |
| Funeral expense benefits: | $2,500 |
| Disability income benefits: | 80% of gross weekly income (less whatever payments for loss of income); 104 weeks partial disability; lifetime if totally disabled (incapable of performing essential duties); maximum $250/week; must endure disabled for at to the lowest degree seven days to qualify; unpaid housekeeper, if completely disabled, $100/week for maximum of 52 weeks |
| Death benefits: | Death inside 180 days (or ii years if continuously disabled prior to death); expiry of caput of household $25,000, plus $1,000 to each theme survivor later first; expiry of spouse/partner $25,000; expiry of dependant $5,000 |
| Impairment benefits: | N/A |
| Right to sue for hurting together with suffering? | Yes, exactly if injury a “minor injury,” maximum abide by is $8,100 |
| Right to sue for economical loss inwards excess of no-fault benefits? | Yes |
| Administration: | Private insurers |
| Notes: | Optional Section B benefits are non available equally of Apr 1, 2012. Instead, they are built inwards the criterion coverage. |
Steps Required to Become a Fully Licensed Driver inwards Nova Scotia
Introduced Oct 1, 1994
How produce I teach a Learner’s (Class 7) licence?
To teach a Learner’s licence you lot must:
- Be at to the lowest degree 16
- Take a vision test
- Take a driving noesis test
- Get parental consent if you lot are nether 18
How long volition I endure inwards the Learner stage?
You volition endure inwards the Learner phase for at to the lowest degree half-dozen months. This tin endure reduced to 3 months if you lot successfully consummate an approved beginner driver didactics course. H5N1 Class seven (Learner’s) licence is valid for 1 year, later which it must endure renewed.
What are the restrictions field I am inwards the Learner stage?
You must drive amongst a fully licensed driver amongst at to the lowest degree a regular Class five licence, together with who is inwards the front end topographic point inwards a topographic point to assist if necessary. You cannot accept passengers except for your supervising driver.
You cannot drive nether the influence of alcohol – your blood alcohol flat must be zero.
You are permitted to drive betwixt midnight together with five a.m. alone if accompanied yesteryear a fully licensed driver.
What else should I know?
If you lot accept whatever alcohol inwards your blood, you lot may teach a suspension. Should you lot teach a suspension, it volition delay your graduation to the Newly Licensed driver phase yesteryear 3 months if you lot took a recognized driver didactics or grooming program, together with half-dozen months if you lot did not.
If you lot teach ii demerit points field inwards the Learner stage, you lot must popular off to an interview. If you lot teach 4 demerit points, you lot volition endure given a six-month suspension.
How produce I teach a Newly Licensed (Class 5N) driver?
To movement to the Newly Licensed stage, you lot must successfully consummate a route test.
How long volition I endure Newly Licensed?
You must endure inwards the Newly Licensed phase for 24 months. You tin exit the Newly Licensed phase no before than historic menstruation xviii years together with 3 months.
What are the restrictions field I am Newly Licensed?
You cannot drive nether the influence of alcohol – your blood alcohol flat must be zero.
You tin accept alone 1 rider inwards the front end seat, together with no to a greater extent than passengers inwards the dorsum topographic point than you lot accept working seatbelts.
You are permitted to drive betwixt midnight together with 5:00 a.m. alone if accompanied yesteryear an experienced licensed driver. If you lot demand to drive to operate during those hours, you lot tin apply for an “Exemption from Nighttime Driving Curfew.”
What else should I know?
If your licence is suspended for whatever reason, you lot must start the whole 24-month procedure over.
If you lot teach 4 demerit points field inwards the Newly Licensed stage, you lot must popular off to an interview. If you lot teach half-dozen demerit points, your driver's licence volition endure suspended. You cannot upgrade beyond a Class five licence during this stage.
To graduate from the Newly Licensed phase to teach a fully licensed driver, you lot must successfully consummate a six-hour defensive driving course of report or consummate the total Driver Training Course (25 hours theory, 8 hours driving time). H5N1 re-create of your graduation certificate must endure provided, inwards mortal or yesteryear mail, to whatever Registry of Motor Vehicles purpose for recording purposes.
For to a greater extent than information, delight visithttp://www.gov.ns.ca/snsmr/rmv/licence/gradlic.asp
