New Brunswick

Auto insurance in New Brunswick is provided by more than 65 private companies that compete for customers by offering a different mix of price, coverage and service. Everyone who wants to drive a car in New Brunswick must by law buy a minimum amount of insurance and has the option to buy more to suit their needs.

Having the right auto insurance coverage is essential for everyone who relies on their car to get them around. When New Brunswickers are involved in accidents, their insurance companies help them get better, support them if they are unable to work and protect them financially if they hurt someone else and are sued for it.

In Canada, provincial governments decide which mandatory benefits are included in the auto insurance product. The challenge is finding the right balance between affordable price for all drivers and adequate coverage for those who have to make a claim. For instance, if government makes the product very generous, it could become too expensive for many drivers.

Changes to New Brunswick’s auto insurance system in July 2003 helped improve that balance of affordability and adequate coverage. But more can be, and is being, done to ensure New Brunswickers are receiving the best coverage for the best possible price.

Minimum Required Auto Insurance Coverage in New Brunswick

As of July 1, 2013

Compulsory minimum third-party liability:	$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000
Medical payments:	$50,000/person, including rehabilitation, excluding health insurance and other medical plans; time limit is four years
Funeral expense benefits:	$2,500
Disability income benefits:	104 weeks partial disability; lifetime if totally disabled; maximum $250/week; must be disabled for at least 7 days to qualify; unpaid housekeeper $100/week, maximum 52 weeks
Death benefits:	Death within 180 days (or two years if continuously disabled prior to death); death of head of household $50,000, plus $1,000 to each dependent survivor after first; death of spouse/partner $25,000; death of dependant $5,000
Impairment benefits:	N/A
Right to sue for pain and suffering?	Yes, but if injury a "minor injury," maximum award is $7,500
Right to sue for economic loss in excess of no-fault benefits?	Yes
Administration:	Private insurers
Notes:	The optional “No Frills” policy with lower limits was repealed on December 20, 2007.

Steps Required to Become a Fully Licensed Driver in New Brunswick

New Brunswick Driver's Handbook

Introduced January 1, 1996

How do I get a Class 7, Level I licence?

To get a Level I (Novice) licence, you must:

• Be at least 16
• Take a vision test
• Take a driving knowledge test
• Get parental consent if you are under 18

How long will I be in Level I?

You will be in Level I for 12 months. However, if you successfully complete an approved driver education course, this can be reduced to four months. A Class 7 licence is issued for up to four years. The earliest you can leave Level I is age 16 years and four months.

What are the restrictions while I am in Level I?

You must drive with a fully licensed driver who is in the front seat in a position to help if necessary. You cannot have any passengers except for your supervising driver. You cannot drink when you are driving – your blood alcohol must be zero. If you are found with alcohol in your blood, you will get a one-year suspension and will return to the beginning of the graduated licensing period with no credit for a previously passed road test or driver training course.

What else should I know?

You will get four points when you start. After one year, you get two additional points, for a total of six points. You continue to get two more points each year until you have 10 points. If you lose all of your points, you will get at least a three-month suspension and will return to the beginning of the graduated licensing period with no credit for a previously passed road test or driver training course.

How do I enter Class 7, Level II?

To get to Level II, you must successfully complete a road test.

How long will I be in Level II?

You must be in Level II for a miniumum of 12 months.

What are the restrictions while I am in Level II?

You cannot drink when you are driving – your blood alcohol must be zero. If you are found with alcohol in your blood, you will get a one-year suspension and will return to the beginning of the graduated licensing period with no credit for a previously passed road test or driver training course.

What else should I know?

You are allowed to have passengers in the vehicle in Level II.

If you lose all of your points, you will get at least a three-month suspension and will return to the beginning of the graduated licence period with no credit for a previously passed road test or driver training course.

You must have a Class 7 licence for a minimum of 24 months before you are eligible for a Class 5 licence.

You must apply for a Class 5 licence when you complete your Class 7, Level II.

Privacy Policy

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
We will only retain personal information as long as necessary for the fulfillment of those purposes.
We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

About

About Car Insurance Todays

We are a team of experts who has been working in the car insurance industry for over 10 years. Our combined experience allows us to provide expert advise on auto insurance and answer the most frequently asked questions along with helpful articles to get you started on getting the right car insurance coverage for less.

Besides providing car insurance quotes, we aim to help educate customers on various aspects of car insurance and provide a choice of leading insurers in 50 states so customer can compare deals from multiple insurance companies using one single page.

Should you have any questions or suggestions, feel free to contact us at :

support@carinsurancetodays.com

Terms of Service

Web Site Terms and Conditions of Use

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Permission is granted to temporarily download one copy of the materials (information or software) on Car Insurance Todays's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
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transfer the materials to another person or "mirror" the materials on any other server.
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General Terms and Conditions applicable to Use of a Web Site.

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Is Data Breach Covered Under My Tech E&O Policy?

Is Data Breach Covered Under My Tech Errors and Omissions Policy?

So you are the proud owner of a brand new technology errors and omissions policy. You are so excited that most of your professional services are covered and that you can go into every new contract confidently knowing that if something goes wrong and your software or app glitches that you'll be covered.  Then you stop to ask yourself:

Data Breach can happen to any company.  Are you covered?

What if my customer's data gets hacked or stolen?

There are two answers for this question.  You need to know the difference, so you don't end up owing thousands of dollars for something you could have prevented.

Answer 1:

Yes, you are covered!

On most technology E and O forms, the data you work with in order to perform your professional service would be covered in case it was hacked, stolen, or destroyed.

For example, a software company that creates a database system for medical records may need access to the files in order to create the enterprise software.  While creating the software, the main software programmer's laptop is stolen along with access to 1000s of his client's medical records.  Because the programmer was performing a professional service, it would covered.

Answer 2:

No, you are NOT covered!

If you keep digital or paper records of customer's credit cards and company information and your company's computers get hacked and that information is stolen, there is no coverage under the technology E and O form.

I could write an entire post on data breach, but here are a few of your responsibilities:

• You would be responsible in notifying every customer that could have lost data (PR Nightmare)
• Offer to monitor credit for at least a year
• Validating addresses
• Hiring a data breach response company
• If not done in 30-45 days there can be hefty fines and penalties
• Here's a guide for data breaches from Experian: http://www.experian.com/assets/data-breach/brochures/response-guide.pdf 

The difference is that the information is not being stored as part of your professional service.

So, where can you get coverage for customers' sensitive information?

You need to buy a separate data breach policy or add data breach coverage to your general liability.  If you buy a combo general liability/tech E and O package policy, you most likely have the option to add this coverage.  One insurance company that does a great job of this is The Hartford (http://www.thehartford.com/business-insurance/technology-liability-insurance).

Usually, this coverage only costs an additional $400-$1,000 per year, but can save you a lot in the back end if there is ever a breach.

According to the cited Experian article above, 76% of companies who had experienced a breach of customer data believed the incident had a moderate or significant impact on the organization’s reputation.   

Make sure you can bounce back quickly and effectively if you ever have a breach.

Besides insurance, what are ways you safe guard your customers' sensitive data?  

What Insurance Should a Technology Start-Up Consider?

Is your tech company protected properly?

At different stages of the Start-Up process, you may want to consider different policies. 

In the beginning stages you may want to pick one or two of the following policies because of limited resources. 

Once you procure funding and are trying to attract the best of the best, you may want to purchase all of the policies below.

Here are the policies you may want to consider in no particular order:

•Technology Errors & Omissions (Tech E&O) – Insurance for failures in your technology service that could cause customers damages. Tech E&O is most likely your most important policy because most everything you do would be considered a professional service and is excluded from the General Liability policy.

•Data Breach/Privacy Coverage – In case you lose sensitive employee or customer data, this policy pays to notify, monitor credit, and anything else you need to do in case of a breach.

•Media Coverage – If you are doing any kind of media/social networking. Some of these coverages are added automatically to the Personal & Advertising injury section of the General Liability policy, but are explicitly excluded for companies with a media focus. Examples of these exposures include: unintentional copyright violations, libel, slander, etc.

•International Coverage – If you have operations outside the coverage area (US, US Territories, and Canada)

•General Liability Coverage – This is your most basic insurance that most contracts will require: covers basic trip and fall. You can also add supplementary auto coverage for rented and non-owned (including employee) vehicles. If you have company vehicles, you should consider purchasing a Business Auto Policy.

•Property – Cover your computers, servers, tenant improvements. In addition, business income is added to this policy; look for coverage including business income for Denial Of Service attacks, etc.

•Directors & Officers – Insurance if you have investors or stakeholders. Directors and Officers can be held personally liable for decisions of the company, so this coverage can be crucial in securing high profile board members.

•Disability – Insurance for the owners if they are in an accident and no longer able to work.

•Key Man Life – Insurance policy in case something happens to your partner. Both partners buy life insurance policies on each other, so they can buy out the partner’s share. This way you avoid becoming partners with that person’s significant other.

•Health Insurance – Great way to keep your employees on board and attract great talent.

•Workers’ Compensation – Mandated by CA state law even if you just have one part time employee. Good news is that rates for most technology workers are very inexpensive.

•Employee Practices Liability – Protect yourself from employment related lawsuits: wage & hour, wrongful termination, discrimination, etc.

Some of these policies are offered in packages, while others are sold separately. Most large companies that contract smaller technology services companies will require you to have General Liability, Technology E&O, Workers’ Compensation, and Business Auto.

Talk to an independent agent to see which of these coverages would be a best fit for your business.

This article was originally published on the Co-Merge website on Jan 11, 2013.