Territories MVA Companion Guide

The territories run a tort based private insurance system, and the largest factor in most accident claims here is distance. When specialists, imaging, and treatment can sit thousands of kilometres away, every medical travel trip, every rescheduled appointment, and every out-of-pocket cost becomes part of your claim. This Companion Guide helps injured people across Yukon, the Northwest Territories, and Nunavut document the day of the accident, track medical travel and northern costs, and protect what they are owed under a system that was never built for the North.