Uninsured and Hit-and-Run Auto Coverage in New Brunswick
Mandatory uninsured and unidentified automobile coverage protects New Brunswick insureds when a qualifying crash is caused by an uninsured driver or by a hit-and-run driver who cannot be identified. It can also cover vehicle damage caused by an identified uninsured driver.
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.
Hit-and-run and identified uninsured losses are not identical
FCNB distinguishes injury protection in an unidentified hit-and-run from vehicle damage caused by an identified uninsured driver. A claim should therefore be matched to the exact policy section rather than treated as one generic uninsured-loss scenario.
The C$250 figure has a specific context
FCNB associates the C$250 deductible with recovery for vehicle damage caused by an identified uninsured driver. Canada Rate Lab does not extend that deductible to every uninsured or unidentified claim category without policy support.
SEF 44 is an additional comparison
FCNB also describes the optional SEF 44 Family Protection Endorsement for underinsured-driver exposure. Mandatory uninsured automobile coverage and optional family protection should remain separate in a policy comparison.
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 →