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Recreational Vehicle Insurance

ATV Insurance – Newfoundland and Labrador

Mandatory Coverage

Third-Party Liability
Uninsured and Unidentified Automobile

Third-Party Liability

What it means: If you or any other insured person is in an accident and your vehicle injures or kills someone, or damages someone else’s property, you may be legally responsible.
  • Your insurer will defend you in case of a civil law suit and will make any payment required by law on your behalf, up to the amount specified in your policy.
  • Minimum coverage for Third-Party Liability is $200,000, but most drivers choose $1 million.
  • You lose control of your vehicle, crash into a sign, and damage it.

Uninsured and Unidentified Automobile

What it means: If you are injured or killed by an uninsured or unidentified vehicle whose owner or driver cannot be identified or your vehicle is damaged by a vehicle for which the owner or driver is identified but uninsured, you are covered for losses you would have been legally able to recover from the owner of the responsible vehicle, subject to the policy deductible and limits, and only to the degree to which you were not responsible for the accident.

  • An identified but uninsured truck runs into the side of your ATV at a campground.
  • You are seriously injured after an unknown rider rear-ends you on a trail and flees the scene.
Note: Damages to the vehicle caused by a hit and run is not covered under this section unless the driver or owner is identified.

While Third-Party Liability and Uninsured and Unidentified Automobile coverage are mandatory in Newfoundland and Labrador, many people opt to add Accident Benefits to their basic coverage.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance advisor before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.