Auto Insurance

Auto Insurance Questions and Quote by AA Munro InsuranceIn Nova Scotia and Canada all drivers are legally required to have insurance to drive as the province has enacted “financial responsibility laws.” These laws are designed to make all people responsible for the financial consequences of their actions while driving. More specifically, auto insurance is designed to cover any liability arising from “death and injuries” as well as “damage to property.” The team at A.A. Munro works hard on your behalf to ensure that this legal requirement to purchase insurance does not limit the coverage options available to you, or force you to pay inflated insurance prices. For more information on any of the coverage options listed below, or on exclusions that may exist, please feel free to contact A.A. Munro’s friendly staff.

Auto Insurance Policies

Every driver in Nova Scotia is legally required to have coverage for (a) third party liability, (b) accident benefits, and (c) accidents caused by uninsured and unidentified motorists. Many drivers also decide to purchase insurance to cover (d) loss or damage to insured automobiles.

  1. Third Party Liability

    This coverage is designed to protect drivers from any legal liability arising from ownership or operation of a vehicle. This typically covers liabilities arising from “bodily injury to death of any person” and from any “damage to property.”

  2. Accident Benefits

    This coverage is designed to provide drivers with the financial support required to help protect them against damage and / or liabilities that arise from an automobile accident. This coverage not only protects drivers from injury, but it also protects occupants of an automobile occupants and pedestrians as well. This coverage is more specifically designed to assist with: Medical payments and funeral expenses Death benefits and loss of income payments Uninsured motorist coverage

  3. Uninsured and Unidentified Coverage

    This is compulsory coverage in Canada’s Atlantic Provinces that is designed to protect drivers against bodily injury and property damage caused by uninsured or unidentified drivers.

  4. Loss or Damage to Insured Automobile

    This optional coverage allows owners to receive the financial support required to purchase an automobile if their insured automobile, or any equipment stored in it, is damaged accidentally. While this insurance is not legally required in Nova Scotia, it is nevertheless commonly purchased due to the benefits it provides. This type of insurance is typically handled in three ways: Insuring Agreement: protects against direct or indirect damage done to an automobile and any equipment stored within.Coverage Options: owners can choose to select any or all of the following options:All Perils (Broad Form Coverage)Collision with Another Automobile or Object (i.e. A tree)Comprehensive (All losses, excluding those from collision with objects)Specified Perils (i.e.: fire, theft, windstorm, etc.) Deductible Clause: Insurer pays any loses less the deductible amount selected.

Additional Auto Insurance Policies

The following specialized insurance coverage options are available upon request

  • Limited Waiver of Depreciation (SEF 43R)

    This endorsement waives depreciation on repair or replacement cost resulting from an insured peril within 24 months of a new automobile first being delivered to the insured. This option is not available on demonstration or second hand vehicles.

  • Rental Coverage for Loss of Use (SEF 20)

    Many of our clients also select the SEF 20 or ‘Loss of Use’ coverage as it provides them with a rental vehicle when their insured vehicle is made unusable by damage covered by the policy.

  • Accident Forgiveness

    The first at fault accident won’t be held against you. This will allow you to keep your good driving record in tact after an accident, as well as your claims-free discount (if applicable).

  • Legal Liability for Damage to Non-Owned Automobiles (SEF 27)

    This endorsement extends coverage from you auto policy to car that you have rented. Many credit cards offer this same coverage to clients using their card to pay for the rental vehicle. You must have both collision and comprehensive on your vehicle to be eligible for this coverage.


  1. What information will be required from me to receive an auto insurance policy?

    Full Name and Postal Address Policy Periods Required Automobile Specifics (i.e.: Model Type, Year, etc.)List of all Drivers Any Physical or Mental Impairment Driver History License History (Previous 6 Years) Insurance History (Previous 3 Years) Intended Use of Vehicle Any Intended Business Use Declaration of Ownership

  2. What factors are considered when calculating insurance rates?

    A number of factors are considered when calculating an insurance rate. Some of the major factors considered include:Driving Record: The number of accidents or speeding incidents a driver has claimed will typically increase their insurance premium.Number of Drivers:The risk of an accident increases as more drivers operate a vehicle, and as such, so too does the correlated insurance premium.Years of Experience: Drivers with more experience typically have lower premiums. Age / Gender: Age and Gender do not affect auto premiums in Nova Scotia. Model of Vehicle: Some vehicles are cheaper to insure than others.

  3. If I receive my home and auto policy with you, do I get extra discounts?

    Yes! If we write your home and auto policy with same insurance carrier, an extra discount for each line can be applied. This is called a “multi-line discount”, and it can range from 5% to 15%, depending on the insurance carrier.

  4. What should I do after I was involved in a vehicle accident?

    Immediately check for personal injuries and call for emergency aid, if needed.If possible, drive your car to the side of the road, away from traffic.Write down any details of the accident (i.e. estimated speed, weather, road conditions) and describe any damage done to your vehicle and others involved.Write down the other driver’s name, address, phone number, driver’s license number, license plate number, vehicle make and model, vehicle owner and address (if different from the driver’s), insurer and policy number.If any witnesses, make sure to obtain name & phone number(s).

If you have any further questions about auto insurance please do not hesitate to contact any one of our 19 offices and allow our Insurance Specialists to answer your questions.

Additional Resources

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