Nova Scotia Car Accident Claims: Minor Injury Cap, Section B Benefits, and Your Right to Sue

Nova Scotia uses a private tort insurance system where you can sue an at fault driver for any injury beyond a minor sprain, strain, or whiplash, a separate minor injury cap only limits the dollar amount recoverable for that narrower category, and every policy also carries mandatory Section B accident benefits regardless of fault.

Information last verified on 2026-09-24. This article has not yet been reviewed by a licensed lawyer.

This article covers the private automobile insurance and tort system in Nova Scotia under the Insurance Act, R.S.N.S. 1989, c. 231, and the Motor Vehicle Act, R.S.N.S. 1989, c. 293. It does not cover the other Atlantic provinces or Quebec's no fault regime; for a side by side comparison of every Canadian province's insurance model, see Car Accident Claims Across Canada. For how limitation periods generally work outside the auto context, see Statute of Limitations in Canada.

How Nova Scotia's Car Accident System Works

Nova Scotia runs a private tort system layered with mandatory no fault accident benefits. If another driver caused your crash, you can sue that driver for damages, including pain and suffering, subject only to the narrow minor injury cap described below. Separately, and regardless of who was at fault, your own insurer must pay Section B accident benefits under Insurance Act s.140(1). The two tracks are not exclusive. A claimant with a serious injury commonly draws on Section B benefits from their own insurer while also pursuing a tort claim against the at fault driver.

The Minor Injury Cap Is a Ceiling on Damages, Not a Bar on Suing

Nova Scotia has never barred injured people from suing the way Ontario's threshold does. Its earlier rule, Insurance Act s.113B(4), made an at-fault driver "only liable ... for damages for any award for pain and suffering or any other non-monetary loss ... for a minor injury to the amount prescribed in the regulations." That was also a dollar cap, but on a broader category: s.113B(1) defined a minor injury as one that did not cause permanent serious disfigurement or permanent serious impairment and that resolved within twelve months. Insurance Act s.113B(9) switched that older cap off for current accidents:

This Section and any regulations made with respect to this Section do not apply to any action for damages with respect to an incident that occurs on or after the twenty eighth day of April, 2010. (Insurance Act, R.S.N.S. 1989, c. 231, s.113B(9))

What replaced it is narrower. Insurance Act s.113E defines a minor injury as:

a sprain, a strain, or a whiplash associated disorder injury, caused by that accident that does not result in a serious impairment. (Insurance Act, R.S.N.S. 1989, c. 231, s.113E(1)(d))

For that category only, s.113E(3) caps what a court can award:

the amount recoverable as damages for non monetary loss of the claimant for a minor injury must be calculated or otherwise determined in accordance with the regulations. (Insurance Act, R.S.N.S. 1989, c. 231, s.113E(3))

The statute caps a dollar amount. It does not say a claimant is not liable to pay damages unless a severity line is crossed, which is how Ontario's threshold is worded. A Nova Scotia claimant with a broken bone, a concussion with lasting effects, or any injury beyond a sprain, strain, or whiplash without serious impairment can sue for full non monetary damages for that injury without the minor injury ceiling. One rule matters when a crash causes both kinds of injury. Under Automobile Accident Minor Injury Regulations s.14(2)(a), if the non-minor injuries, assessed separately, would be worth no more than the minor injury amount, the total award for non-monetary loss for all injuries is capped at the minor injury amount. If they would be worth more, s.14(2)(b) adds the full award for the non-minor injuries to the capped award for the minor ones.

How Much the 2026 Minor Injury Cap Is Worth

The cap started at a $7,500 base amount in 2010 under Automobile Accident Minor Injury Regulations s.13(1) and rises every January 1 by the prior year's percentage change in the Nova Scotia all items Consumer Price Index. The Superintendent of Insurance must publish the resulting dollar figure by January 31 each year. The Superintendent's Bulletin 2026 01 states the calculation directly:

The 2026 Minor Injury Cap is the 2025 Minor Injury Cap ($10,642) adjusted to increase by the 2025 annual percentage change in CPI under all items for Nova Scotia (2.07%). 2026 Cap = $10,862. (Office of the Superintendent of Insurance, Bulletin 2026 01)

The cap that applies to you is the figure for the year your accident happened, not the year you settle or go to trial. Automobile Accident Minor Injury Regulations s.13(4) provides that "the minor injury amount for a calendar year applies only in respect of accidents that occur during that calendar year." So $10,862 applies to accidents in 2026, while a 2024 accident is capped at $10,402. Use the table above, or the Superintendent's bulletin, for the year of your accident.

Section B Accident Benefits

Section B benefits are mandatory on every Nova Scotia auto policy and pay regardless of fault. Insurance Act s.140(1) requires every motor vehicle liability policy to provide:

medical, rehabilitation, loss of income, death and funeral expense benefits; and other benefits, set forth in regulations made by the Governor in Council, which shall be printed in every policy under the heading Section B, Accident Benefits. (Insurance Act, R.S.N.S. 1989, c. 231, s.140(1))

The specific dollar sub limits for medical, rehabilitation, and income replacement benefits are set out in a separate regulation this article did not independently pull. Check your own policy's Section B schedule, or contact your insurer directly, for the current dollar amounts that apply to your coverage.

How Long You Have to Sue

Nova Scotia's general limitation period applies to car accident lawsuits. Limitation of Actions Act s.8(1)(a) sets the deadline:

a claim may not be brought after the earlier of two years from the day on which the claim is discovered. (Limitation of Actions Act, S.N.S. 2014, c. 35, s.8(1)(a))

The discovery date, when you knew or ought reasonably to have known you had a claim, is usually the accident date but can be later. Section 8(1)(b) adds an outer limit: a claim cannot be brought more than fifteen years from the day of the act or omission it is based on, whenever it was discovered.

Driving Without Insurance in Nova Scotia

Driving uninsured is a standalone offence in Nova Scotia. Motor Vehicle Act s.230(1) states:

No person shall drive a motor vehicle registered or required to be registered under this Act unless there is in force in respect of the motor vehicle or in respect of the driver of the motor vehicle a motor vehicle liability policy. (Motor Vehicle Act, R.S.N.S. 1989, c. 293, s.230(1))

Under s.230(2), failing to produce a valid liability insurance card when a peace officer asks is proof, absent evidence to the contrary, that no policy was in force. Section 299 makes a violation of s.230 an offence punishable by "the penalties provided for a category H offence in the Summary Proceedings Act." For category H, Summary Proceedings Act s.4B(h) provides that "a judge shall impose a fine of not less than one thousand dollars for the first offence, not less than two thousand dollars for the second offence and not less than five thousand dollars for the third or a subsequent offence." Those are mandatory minimums; this article did not locate the category H maximum, so no upper figure is stated here.

The fine is not the only consequence. Motor Vehicle Act s.205(1) requires the Registrar to "forthwith suspend" the driver's licence and owner's permit or permits of every person convicted of an offence against s.230. Under s.205(3), the suspension lasts until any court penalty is satisfied and until two years have passed, the person gives proof of financial responsibility to the Registrar's satisfaction, or the conviction is quashed. Where proof of financial responsibility is required, s.235 sets it at $500,000 for a driver and $500,000 for each vehicle registered to an owner.

Section 234 is a narrower, follow-on rule: it lets the Registrar suspend a licence and permits when someone who was already required to file proof of financial responsibility under s.205 or s.231 stops maintaining it.

Disclaimer: This article provides general information about car accident claims and automobile insurance in Nova Scotia under the Insurance Act, R.S.N.S. 1989, c. 231, the Motor Vehicle Act, R.S.N.S. 1989, c. 293, the Summary Proceedings Act, R.S.N.S. 1989, c. 450, and the Limitation of Actions Act, S.N.S. 2014, c. 35, current as of September 2026. It is not legal advice. Section B accident benefit dollar sub limits and the maximum fine for driving without insurance were not independently confirmed for this article. Consult Access Nova Scotia, your insurer, or a lawyer licensed in Nova Scotia for advice on your specific situation.