What Happens If You’re Injured in a Car Accident While Visiting Nova Scotia?

Being in an accident is stressful enough. Suffering an injury in a car accident while traveling adds another layer of frustration. If you’re hurt in a crash while visiting Nova Scotia, you must navigate the differences between the local insurance rules and those of your home province, while also pursuing a legal claim away from home.

The experienced car accident lawyers at Valent Legal can walk you through the nuances of your situation, explain your rights, and pursue all the compensation options available to you.

What Should I Do Right After a Car Accident in Nova Scotia?

The first thing you should do after a crash is check yourself for injuries. Get immediate medical attention if you’re hurt badly. If you’re able to remain at the scene, get examined right after leaving. Even if you don’t think you’ve been injured, get medical attention. Some injuries are not immediately apparent. If you’re unsure where to go, ask someone at the scene where the nearest medical centre is.

Other steps to take in the aftermath of an accident include:

Call 911: In Nova Scotia, you’re required to report any accident that causes $2,000 or more in property damage.
Document the scene: Take photos of the damage and any visible injuries. Take notes on any important details you remember.
Exchange information: Get contact information for the other driver and any witnesses willing to give statements.

Who Pays My Medical Bills if I Don't Live in Nova Scotia?

Your own auto insurance policy may still cover your medical bills if you’re injured while visiting Nova Scotia. If you were a passenger in the car of a family member with a Nova Scotia insurance policy, their no-fault “Section B” coverage might apply.

If you don’t have any available car insurance coverage, your publicly funded healthcare coverage may still pay for emergency care while temporarily visiting Nova Scotia. However, ambulance services and other expenses that aren’t “medically necessary” may not be covered. If you have it, private emergency travel insurance can also help cover your costs.

If you receive any medical bills while in Nova Scotia, save them along with any receipts and care records you have. You may be eligible to pursue a car accident claim against the responsible driver for any losses and expenses not covered by insurance.

Can I File a Lawsuit if I’m Not a Nova Scotia Resident?

While Nova Scotia has a no-fault insurance system for auto accidents, the law still allows you to pursue claims for severe injuries against at-fault drivers. Eligibility to file a claim under Nova Scotia law extends to non-residents.

The total amount of available non-pecuniary damages, such as pain and suffering, depends on the type of injury you suffered. If you have a sprain, strain, or whiplash, Nova Scotia’s Minor Injury Cap will apply. However, the cap does not apply to lost wages, medical expenses, and other pecuniary damages.

What Happens if I Return Home Before My Claim Is Resolved?

Leaving Nova Scotia before your insurance and legal claims are resolved does not necessarily affect the outcome. However, going home can pose practical challenges. Staying on top of your claim-related obligations can prevent any complications.

If you do return home, make sure to take the following steps:

Follow up on your medical treatments and attend all scheduled appointments.
Save any relevant medical records.
Document any financial losses you experience, including missed income, expenses, and repair costs.
Respond to communications from your insurance company promptly.

How Long Do I Have to Make a Claim in Nova Scotia?

The deadline for taking action after a car accident in Nova Scotia may depend on the terms of your auto insurance policy and local laws. Most auto insurance companies require you to file a claim within 30 days, and you may need to notify them of your potential claim even sooner.

If you’re eligible to pursue a claim against an at-fault driver, you generally have two years from the date of the accident to file a lawsuit in Nova Scotia.

Let Us Help Protect Your Rights After an Out-of-Province Crash

If you’ve been hurt in a car accident in Nova Scotia as a non-resident, Valent Legal can provide clarity in a confusing situation. Our experienced team has a thorough understanding of local laws and can help prepare you for your next steps.