New Brunswick Car Insurance

Car insurance in New Brunswick is bought from private car insurance companies. And in buying car insurance, you must remember that the government requires you to buy the minimum car insurance first.

Minimum car insurance

If you do not have the minimum car insurance, you cannot register your car. In the minimum car insurance, you are covered at $200,000 for any accident. If there are claims for property damage as well, additional $20,000 is alotted for that. Medical benefits amount to $50,000 for every person with a limit of 4 years. This excludes health insurance and other medical plans. Funeral benefits cost $2,500. Death benefits include $50,000 for the death of the head of the family with $1,000 for every dependent. Death of spouse entitles you to $25,000 while death of a dependent entitles you to $5,000. Partial disability benefits will cover you for 104 weeks while total disability has lifetime coverage. These are just some of the benefits or inclusions in the minimum car insurance.

Optional car insurance

Can you still buy optional or additional car insurance? That will depend on your needs. Just remember that first and foremost, you must have the minimum mandatory car insurance before buying optional car insurance. And if you feel that you can afford to pay more for better car insurance, you can then buy optional car insurance. Optional car insurance is beneficial because this can definitely increase your coverage beyond the limit of the minimum car insurance. You can always choose the right policy for your specific needs.