Nunavut Accident Benefits & Uninsured Automobile Coverage
Nunavut's mandatory auto package includes accident benefits and uninsured/unidentified automobile coverage in addition to third-party liability. These components address different risks.
✓ Accident benefits form part of Nunavut's mandatory package.
✓ Uninsured/unidentified automobile coverage is also mandatory.
✓ These protections answer different questions from third-party liability.
✓ Eligibility, limits and claims procedures depend on the governing policy and law.
Do not collapse three coverages into one
Liability responds to covered legal responsibility to others; accident benefits address specified injury benefits; uninsured automobile coverage addresses defined losses involving an uninsured or unidentified vehicle.
Coverage labels are only the starting point
The contract and applicable legislation control benefit amounts, eligibility, exclusions and documentation. Read the policy rather than inferring the claim result from a short label.
Preserve evidence after a collision
Notify the insurer promptly and preserve driver, vehicle, witness, scene and medical information where applicable. Follow territorial reporting rules and insurer instructions.