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Here are the provinces that currently have a pure no-fault insurance system: Alberta. New Brunswick. Newfoundland.

Section B of the Standard Owner's Policy includes lump sum payments in case of death. In order for this payment to be made, death must ensue within 180 days of the accident or two years if you were continuously disabled prior to death. The amount of payment is determined by the deceased's status in the household.

Section B – Accident Benefits coverage pays for medical treatment, income replacement and other benefits to eligible claimants. Accident benefits are "no-fault benefits", which means the insurer, regardless of who caused the collision, pays these to their insured claimants.

Here are the provinces that currently have a pure no-fault insurance system: Alberta. New Brunswick. Newfoundland.

The pros of no-fault insurance are that it ensures quick claim payouts after an accident and reduces the number of lawsuits for minor injuries. The cons of no-fault insurance are that it raises car insurance premiums and makes it difficult for drivers to receive compensation for pain and suffering.

This coverage provides medical and rehabilitation expenses, funeral benefits, death benefits, and loss of income benefits if you or your passengers are injured in a car accident. It is a “no-fault” coverage and your own insurer pays it, even if you are not-at-fault for the accident.

The biggest disadvantage is that it blocks you from filing a lawsuit unless you suffered permanent injuries in the accident. Another downside is you will likely pay higher premiums with no-fault coverage. Further, drivers that cause accidents typically face fewer insurance penalties than those in at-fault states.

No Fault Laws in NJ Under no-fault laws in New Jersey, medical coverage for injuries resulting from car accidents is always provided by your own insurance company – regardless of who is at fault for the accident.