Policies

The family protection endorsement, also known as the SEF 44 rider, is additional protection for the insured person and their family members. It allows you to recover an additional amount if you are injured by a motorist who is uninsured or does not have sufficient coverage to pay your claim. The SEF 44 rider is an optional addition to your auto insurance policy.

In New Brunswick, the minimum amount offered by an automobile insurance policy for third party liability is $ 200,000.00. While this amount may be sufficient in some cases, certain injuries may result in the need for higher coverage. The SEF 44 rider allows you to claim an amount of money from your own insurance company to make up the difference, up to the maximum amount stated in your auto insurance policy.

In New Brunswick, the Financial and Consumer Services Commission has approved a Standard Automobile Insurance Policy. This means that every insured vehicle in New Brunswick has, at the very least, the same minimum coverage.  Not only does the standard policy cover you if you hit and injure someone, it also provides you with loss of income, medical, and rehabilitation benefits if you are injured as a result of a motor vehicle accident. The standard policy covers property damage and also provides for hit and run or uninsured accidents.