New Brunswick Section B Claim Deadlines

The dates that govern a New Brunswick Section B claim. Free. No email required. For drivers, passengers, cyclists and people on foot.

New Brunswick runs two clocks at once and they have nothing to do with each other. Section B is your own insurer paying for treatment and lost income whoever caused the crash. A lawsuit against the at fault driver is separate. Missing one does not affect the other, which is exactly why people lose the one they were not watching.

How long do you have to notify your insurer in New Brunswick?

Thirty days from the accident, or as soon as reasonably possible after that. This goes to your own insurer, not the other driver's, and it is what opens your Section B benefits for medical treatment, rehabilitation and disability income.

The proof of claim runs on a different trigger. Ninety days, counted from the day the insurer asks you for it rather than from the accident. So the date that matters is the date of their request, and that is a date only you will have written down.

Write down before you hang up. The date and time you called. The name of the person who answered. Your claim number. Which forms they are sending and when they said they would send them.

Are there shorter deadlines if the government was involved?

Yes, and they are dramatically shorter. If your claim involves the Crown, two months of prior written notice must go to the Attorney General. If it involves a municipality, the notice period can be measured in weeks.

This matters more often than people expect. A collision caused by an unrepaired road, a missing sign, an unploughed highway or a government vehicle all fall here. Someone assuming they have two years can lose the claim inside two months without ever being told.

How long do you have to sue after a car accident in New Brunswick?

Two years from the day the claim was discovered. Discovery rather than the accident date matters where an injury took time to reveal itself. There is also a fifteen year outer limit that applies whether or not you could have discovered it.

For a person under nineteen the clock does not start until they turn nineteen, though evidence does not wait that long and memories fade on the ordinary schedule.

Keeping the record these deadlines depend on

Two of the four deadlines above start on a date that only exists in your own notes. The day the insurer asked for your proof of claim. The day you first understood you were injured.

Two things decide how an injury claim goes. What you wrote down and whether you did the right thing at the right time for where you live. The National Recovery Guide handles the first, the daily record of symptoms, appointments, calls and costs that a claim is eventually judged on. The Provincial Companion Guide handles the second, the deadlines on this page and the forms, boards and appeal routes behind them. People who have only one tend to end up with a careful record aimed at the wrong process, or the right dates and nothing to put in front of them.

Recovery First. Pressure Last.

See the New Brunswick MVA Companion Guide

The scene checklist for the first three days is at hurtsquare.ca/72. It is free and asks nothing of you.

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This page is general information for people in New Brunswick. It is not legal or medical advice. Rules differ by province and change over time. Confirm anything specific to your situation with a lawyer or your insurer.