New Brunswick Mandatory Auto Insurance Coverage Explained
Every registered and driven automobile in New Brunswick must carry mandatory insurance. The provincial consumer regulator identifies four core mandatory layers: third-party liability, Direct Compensation–Property Damage, accident benefits, and uninsured/unidentified automobile protection.
What to know
Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.
Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.
Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.
Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.
The statutory minimum is not a recommendation
C$200,000 is the legal minimum liability limit, not a statement that the limit is suitable for every household. Drivers can purchase higher limits and should compare the actual limit, premium and exposure.
Mandatory insurance does more than protect other people
The mandatory package also includes DCPD, accident benefits and uninsured/unidentified automobile coverage. Those layers answer different claim questions and should not be collapsed into one generic liability label.
Optional physical damage remains separate
Collision and comprehensive coverage can protect the insured vehicle against additional causes of loss, but they are not part of the minimum mandatory package simply because a lender may require them contractually.
Verify the current New Brunswick rule
Insurance rules, rate approvals and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
FCNB — Automobile Insurance →