A comprehensive guide to New Brunswick’s Section B no-fault accident benefits
The Fidelis Law team has extensive experience in dealing with Section B insurance claims. Read on for an overview of what’s covered by Section B.
Table of Contents

Section B overview
Section B of the Standard Automobile Policy for New Brunswick is a crucial component that focuses on accident benefits, providing essential coverage for insured parties in the aftermath of a car accident. Also known as the “No-Fault” or “Accident Benefits” section, Section B offers financial protection for medical expenses, rehabilitation costs, and other essential services, regardless of who is at fault in the accident.
This section is designed to ensure that individuals involved in car accidents promptly receive the necessary support to aid their recovery, covering a spectrum of benefits such as medical treatments, income replacement, funeral expenses, and other specified costs. Understanding the provisions and nuances of Section B is vital for policyholders in New Brunswick, as it delineates the scope of benefits available and the procedures to access these critical resources in times of need.
Key Points
Section B is part of every motor vehicle insurance policy in New Brunswick
You have coverage regardless of who caused the accident
Section B (no-fault) accident benefits explained
What does Section B cover?
Your Section B insurance should pay for:
- Loss of income: it won’t cover your whole paycheque; the maximum amount is $250 per week and could be less depending on other income replacement you get from other sources.
- Medical Treatment: Any treatment your doctor prescribes, such as physiotherapy, massage therapy, chiropractic care, a gym program, or many other things should be covered.
- Mileage: Section B should pay you for the money it costs to travel to and from treatments.
- Medication: Any prescription medications that are new since the accident and are prescribed because of the accident should be covered.
- Death benefits: If someone dies in a car accident, Section B will pay $2,500 for funeral expenses and another amount ranging from $5000 – $50,000 depending on whether the deceased person was a dependent or the bread-winner in the household
Read more: What you need to know about Section B
How do I apply?
You will have to apply separately for each type of benefit, depending on which ones are applicable to you:
- Loss of income
- Medical Treatment
- Mileage
- Medication
- Death benefits
The first step is informing your insurance company of the accident. The person that you will speak with, known as an adjuster, will tell you that they are there to help and that they will send you a package of forms to complete. Although these documents are not legal documents, you should seek legal advice before completing them as they may have an effect on your benefits and any future claims.
How do medical expenses work?
To ensure that your medical treatment is covered by your Section B insurer, you need to follow certain preliminary steps, including the following:
- Advise the insurer: You must contact the Section B insurer liable for covering your medical expenses within 30 days of the date of the accident, or as soon as possible thereafter.
- Complete forms: After you contact your Section B insurer, a claims adjuster will be appointed to administer your claim. Your adjuster will then send you three forms: one for you, one for your doctor and one for your employer. You have to return these forms to your insurer within 90 days of the date of the accident.
Sometimes, the Section B insurer authorizes your health care professionals to bill your insurer directly for their services. In other cases, Section B insurers require you to pay for the cost of your treatment up front and then submit all receipts for reimbursement. Keep in mind that your Section B insurer has 30 days to issue reimbursements.
Read more: Section B medical benefits
How do I replace lost income?
The first step is informing your insurance company of the accident. The person that you will speak with, known as an adjuster, will tell you that they are there to help and that they will send you a package of forms to complete. Although these documents are not legal documents, you should seek legal advice before completing them as they may have an effect on your benefits and any future claims. The following forms are usually completed to open a Section B claim:
- Proof of Claim Form: This form will need to be completed by you. This form will ask the name of your employer, your position, your hours worked, your rate of pay and other employment details.
- Employer’s Confirmation Form or Employer’s Statement: This form will need to be completed by your employer. It will ask your employer to confirm your position, how long you have worked there, what types of tasks you are required to do, how many hours you work per week, and how much you earn.
- Medical Report: This form will need to be completed by a doctor, preferably your family doctor. They will be asked to confirm your injuries, your limitations, your treatment plan, whether you are unable to work or whether your injuries reduce your capacity to work.
- Medical Authorizations: Those forms may need to be completed by you in order for your insurer to obtain medical and employment information. We caution our clients when signing those forms without understanding how they will be used. If you are worried about signing any forms, do not hesitate to contact our office and one of our experienced lawyers will assist you with legal advice.
Read more: Section B loss of income benefits
What if I get declined?
Initiating a Section B claim is usually a straightforward process, and your adjuster may certainly be very courteous and helpful. However, a careful appreciation of your rights is warranted during this period of vulnerability.
This vulnerability comes from the imbalance of power between the insured and the insurer in the claim process. The insured is vulnerable to the insurer’s conduct because he or she needs timely access to benefits payable as a result of an accident. The insured is essentially at the mercy of the insurance adjuster during this process.
If you feel you are not properly treated and are not receiving benefits you should be receiving, you have the right to obtain legal advice from a lawyer.
Blog posts about Section B
What you need to know about your insurance company – Section B
What are no-fault benefits? In New Brunswick, the Standard Owner’s Automobile Policy is regulated by law. That means that every car insurance policy is basically the same. In the event of a car accident, different parts of your insurance will kick in … Read More
Section B: Medical Expenses
Have you been injured in a motor vehicle accident and do you require medical treatment, but you can’t afford to pay for it on your own? No problem. It’s highly likely that your auto insurance company will cover the entire cost of … Read More
Section B: Loss of Income Benefits
Most motor vehicles in New Brunswick are covered by the Standard Owner’s Automobile Policy. This means that if you are involved in an accident and injured while driving an automobile, a motorcycle, a snowmobile, an ATV, or another type of motor vehicle, … Read More
Loss of Income Benefits for Seasonal Workers
Many New Brunswickers are seasonal workers. Whether you work in the fishing, construction or farming industries, or any other type of seasonal employment, you should not be automatically excluded from loss of income benefits after being injured in an accident. To learn … Read More
Fidelis Section B lawyers
Don’t let your insurance company take charge of your recovery and take advantage of your vulnerability and lack of legal knowledge. Only lawyers experienced in personal injury claims such as those at Fidelis Law Droit can effectively protect your legal interests and rights. When you choose Fidelis Law Droit, you’re getting an entire team on your side. You can count on us to uphold your interests diligently, firmly, and decisively. If necessary, your lawyers at Fidelis Law Droit will not hesitate or shy away from taking legal action against your insurer to protect your rights. We’ve seen it all, and we won’t back down.