5 Common Myths About Section B – Busted!
When it comes to auto insurance in Nova Scotia, Section B benefits are often misunderstood. These benefits, which include coverage for medical expenses up to $50,000, lost income, and funeral costs, are available regardless of who caused the accident. But misconceptions persist. Let’s clear up five of the most common myths about Section B.
Myth #1: Section B benefits are only for people who did not cause the accident.
This is one of the most widespread misunderstandings. Section B benefits are no-fault benefits, meaning you are entitled to them whether you caused the accident or not. Even if you were 100% at fault, you can still be eligible for coverage for medical treatment, rehabilitation and some lost wages.
Myth #2: Section B benefits are only available if you are in a vehicle.
Not true. Section B benefits can also apply to pedestrians and cyclists who are injured in an accident involving a motor vehicle. If you are hit by a vehicle while walking or biking, you can still be eligible for section B coverage through the driver’s insurance or in some cases through your own.
Myth #3: Section B benefits are only available for 2 years after the accident.
There is no two-year limit on Section B benefits. Medical treatment and rehab benefits are largely capped at the 4-year anniversary of the accident. Income replacement benefits continue for life provided you continue to meet the definition of disability under the Section B policy.
Myth #4: Section B benefits are only available if you are struck by a vehicle.
False. You do not have to be hit directly by a vehicle to qualify for Section B benefits. If you were injured while trying to avoid a collision, or while entering or exiting a vehicle, you may still qualify. What matters is that your injuries arose out of the “use or operation” of a motor vehicle – so the scope of coverage is broader than many realize.
Myth #5: You do not need to apply for Section B benefits – they are automatic.
Many people assume the insurance company will just send benefits after an accident, but that is not how Section B works. You must notify your insurer and complete the application forms to begin the claims process, along with providing necessary medical and financial information. Delays in applying could impact your ability to receive benefits, especially with tight deadlines for things like income replacement. Prompt action and good documentation are key.
For more information on Section B benefits in Nova Scotia, check out our Section B website at https://www.mdwlaw.ca/services/personal-injury/section-b/