Under provincial law, Prince Edward car insurance customers must have at least a minimum level of protection in place in order to drive legally. The amounts are as follows:
- Third party liability coverage of $200,000 for any one accident; if a claim is being made for personal injuries and property damage, the limit for the property damage portion is limited to $10,000
- Medical payments insurance of $25,000 per person, including rehabilitation services, and this excludes health insurance and other coverage available. The time limit for making claims is four years.
- Funeral expenses of $1,000
- The minimum level of insurance coverage will also pay for 104 weeks of partial disability benefits. If the accident victim is totally disabled, he or she will receive benefits for life. The maximum amount payable is $140 per week after serving a seven-day waiting period. An unpaid housekeeper benefit of $70 per week is offered for a maximum of 12 weeks.
- If an accident victim dies within 180 days after the accident (or within two years if he or she was disabled prior to death), the death benefit payable for the head of a household is $10,000 plus $1,000 for each surviving dependent. The benefit payable for death of a spouse is $10,000 and $2,000 is paid for the death of a dependent.
An injured person can sue for pain and suffering, but the maximum amount payable for minor instances is $2,500.