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Auto insurance reform means enhanced coverage that benefits all Nova Scotia drivers

Effective April 1, 2013, improvements to the standard auto insurance policy will be implemented as part of Phase Two of the Nova Scotia Automobile Insurance Reform introduced in 2012.

Here are some highlights:
  • Direct Compensation for Property Damage (DCPD)
    This coverage allows you to be compensated by your own insurer for property damage resulting from an auto collision that is caused by another party. It means you can obtain service quickly and efficiently through your own insurance provider. It doesn’t take away your right to sue for other damages – that is still maintained under our automobile insurance system. This coverage has proven to work well in several other provinces, and we are confident that you too will now benefit from this change.
  • Diagnostic and Treatment Protocols for Minor Injuries – If you suffer minor injuries in an automobile collision and qualify for treatment, you will now have direct access to physiotherapy and chiropractic treatment without waiting for approval from an insurer or a physician’s referral. This reform is patient-focused and delivers better care sooner, in order to promote healthier outcomes for automobile accident victims. Diagnostic and treatment protocols will promote consistency and quality of care for minor injuries, which will benefit all Nova Scotia drivers.

For detailed information about the reform, or to obtain a copy of the Nova Scotia Automobile Policy which has been amended in line with the reform, please refer to the Nova Scotia government website.

Questions and answers

As a current policyholder, how is my existing policy affected by the reform?

As a current automobile policyholder, you will start to benefit from the enhancements as of April 1, 2013, even if Direct Compensation for Property Damage (DCPD) doesn’t appear on your current certificate. In your next renewal package, you will be able to see the addition of the DCPD under Section A.1 of your certificate of auto insurance.
After April 1, 2013, if you are injured in an automobile collision and suffer minor injuries, you will have access to the Diagnostic and Treatment Protocols for Minor Injuries even if your policy has not yet been renewed. It’s the date of the accident that matters not the effective date of your auto insurance policy.

If I had a car accident prior to April 1, 2013, can I still benefit from the Diagnostic and Treatment Protocols for Minor injuries?

The reform is effective April 1, 2013. If you had a car accident prior to this date and suffered minor injuries, you will be treated in accordance with Section B - Accident Benefits in force at the date of your accident. Therefore, your treatment plan needs to be approved and you need to follow the instructions you received when you filed your claim. You need not take any action. Our Claims Services will make sure that you have all the proper forms in hand to settle your claim. If you have any concerns or wish to discuss the impact of the Reform on your ongoing claim, you can contact your claims analyst.

Will my residential insurance policy be affected by the reform in any way?

No, this reform only applies to automobile insurance.