Newfoundland and Labrador MVA Companion Guide

Newfoundland and Labrador runs a private insurance system, and one of its most important protections is optional. Many drivers never confirm they carry Section B accident benefits until they are already hurt. This Companion Guide walks you through your SPF-1 policy, the Section B coverage you may or may not have, the 120-day notice deadline that few people have heard of, and the claim clocks that begin the moment a collision happens.

Inside you will find plain guidance on the system here, fillable worksheets to document the accident and your recovery, a daily journal, and trackers for medical care, expenses, and insurer conversations. It is built to sit beside the National MVA Recovery Workbook and adds what is specific to Newfoundland and Labrador. This is a fillable PDF you can type into on any device or print at home.