Newfoundland and Labrador Auto Accident Benefits & Treatment Protocols
New diagnostic and treatment protocols under Newfoundland and Labrador's Automobile Insurance Act took effect December 2, 2024 for common collision injuries such as sprains, strains and whiplash-associated disorders.
What to know
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Treatment protocols are not the same as a liability settlement
The protocols concern access to diagnosis and treatment for specified injuries. They do not decide fault, pain-and-suffering damages or every other benefit issue arising from a collision.
The automobile policy can be the primary payer for protocol treatment
The 2024 reform removed the previous need to exhaust private health insurance first for eligible protocol treatment. This is a claims-process rule, not a premium estimate.
Use current forms and medical guidance
Treatment eligibility, practitioner documentation and billing requirements depend on the current regulations and insurer process. Consumers should use up-to-date provincial and insurer materials after a crash.
Verify the current Newfoundland and Labrador rule
Insurance legislation, Board-approved rates and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
Government of Newfoundland and Labrador — Auto Treatment Protocols →