Understanding Section D of your Auto Insurance Policy

Knowing is half the battle.

It can be confusing to navigate your insurance proceedings when you’re injured as a result of an uninsured or unidentified driver. Here in Nova Scotia, Section D of your auto insurance policy deals specifically with this.

(If you are without insurance coverage, please see information regarding Nova Scotia’s Facility Association here.)

Section D – Defined

This section enables the injured party to claim benefits for damages caused by the negligence of an unidentified or uninsured driver. Your personal insurance company steps into the shoes of the driver. From there, the personal injury process continues in relatively the same way. You and your insurer will discuss liability and damages that should be awarded. Eventually, you will either reach a settlement or move the matter to court.

Technically dealing with your own insurer in these situations. However, your insurer may be conflicted as it has a common interest with the uninsured third party. As a result, it will try to limit the amount of money awarded to you.

From time to time, insurance companies are able to recover money from the uninsured drivers. If this is the case, you may be called upon to give evidence in that proceeding.

It’s important to report the accident to the police as soon as practicable. Be sure to provide notice to your insurance company soon after the accident. A personal injury lawyer can help you navigate the intricacies of the process and give you advise in regard to a fair settlement.