Section B Coverage includes the payment of doctor recommended medical treatments for the recovery of injuries caused by an automobile accident.  The coverage available for an individual is related to the injuries suffered and doctors’ recommendations.  Treatments often include physiotherapy, massage therapy and chiropractic treatments.  Section B Coverage is payable no matter who was at fault for an accident and as such can be put in place shortly after the accident has taken place.   For many people the coverage available to them through Section B is a very important part of their recovery process.   

 
In other provinces Section B Coverage is included in every automobile insurance policy; however, in Newfoundland and Labrador this is not the case.  Further, it’s common for drivers to be unaware of what coverage they have or to believe that they have Section B Coverage when they do not.    If you are uncertain whether or not you have section B coverage the Penney & Brown Law team encourage you to check your automobile insurance policy now.   It’s important to know what coverage you have in place before an accident happens.