Policies
In New Brunswick, there are several policies and workplace agreements that may have an impact on the benefits you receive and the outcome you can expect following an accident. Understanding the nuances of these policies is crucial for individuals seeking benefits after a car accident.
Collective bargaining agreements may play a role for individuals covered under workplace agreements, outlining specific provisions for accident benefits. The standard automobile policy, specific to New Brunswick, outlines the minimum coverage requirements and details the benefits available to insured parties. The SEF 44 endorsement, a standard endorsement in New Brunswick, can be added to an insurance policy to enhance coverage. It provides additional protection, such as increased accident benefits and coverage for expenses not typically included in standard policies.
Navigating these policies requires careful consideration of individual circumstances and the specific terms outlined in each agreement. Seeking professional advice and consulting with legal experts can be instrumental in ensuring that individuals receive the full spectrum of benefits available under these policies in the aftermath of a car accident.
Collective Bargaining Agreements
Are you a unionized employee? Collective Bargaining Agreements are contracts that have been negotiated between a union, on behalf of the employees, and an employer of the private or public sector to establish working conditions such as rates of pay and conditions of employment, including holidays and sick leave provisions.
Click here to access all of New Brunswick’s public sector collective agreements
SEF 44 – Family Protection Endorsement
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.
Standard Automobile Policy for New Brunswick
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.
