Prince Edward Island MVA Companion Guide

Prince Edward Island runs a private insurance system, and one rule can quietly limit what you recover. Injuries labelled minor fall under a cap on pain-and-suffering, even when the effects linger for months. Your own Section B benefits cover medical care, rehabilitation, and lost income while your claim against the at-fault driver moves along a separate track.

Recovery on the Island brings its own realities. Specialist care often means travelling off-island to Halifax. Deadlines can arrive before the shock has worn off. The person keeping the clearest record is usually the one who fares best.

The Prince Edward Island Companion Guide gives you one place to hold all of it. You document the collision, your medical team, every appointment, and the symptoms you are watching for. You track Section B medical and rehabilitation spending against the limit, decode Sections A through D of your policy, and keep a dated log of every call and letter with your insurer.

It also carries the parts that are easy to lose. Income and employment through recovery. Housekeeping and caregiving hours you can no longer manage on your own. Your rights under the Minor Injury Cap, the SEF 44 endorsement, and a review before the Island Regulatory and Appeals Commission.

This is a fillable PDF you complete on any device and keep as your own record. It is information to help you stay organized through recovery. It is not legal advice and it is not medical advice.

Your Recovery. Documented. Protected.