Section B Insurance in New Brunswick: What It Covers & How It Works After a Car Accident
If you’ve been injured in a motor vehicle accident in New Brunswick, you’ve likely heard the term “Section B benefits.”
But what does that actually mean?
Who qualifies?
What does it cover?
Do you need to wait until fault is determined?
Here’s a clear breakdown.
What Is Section B Insurance?
Section B benefits are mandatory accident benefits included in every standard auto insurance policy in New Brunswick.
They are designed to provide access to medical and rehabilitation coverage after a motor vehicle accident — regardless of who caused the crash.
That means:
- You do not need to wait for fault decisions to begin treatment.
Section B exists so injured individuals can access care early rather than delaying recovery while liability is determined.
What Does Section B Typically Cover?
For most straightforward musculoskeletal injuries, Section B may cover:
- Chiropractic care
- Physiotherapy
- Massage therapy
- Medical visits
- Rehabilitation programs
- Diagnostic imaging (when clinically indicated)
Coverage limits apply and vary by policy, but early treatment is usually accessible once your claim is opened.
How the Process Works
The general process typically looks like this:
- Report the accident to your insurance provider.
- Open a Section B claim.
- Your healthcare provider submits a treatment plan outlining diagnosis and recommendations.
- Once approved, treatment begins — often with direct billing.
Early documentation is important.
If symptoms evolve over days or weeks, having baseline findings strengthens both clinical clarity and insurance communication.
Do You Need a Referral?
For most musculoskeletal injuries, a referral is not required to begin care under Section B.
However, insurers may request additional documentation for more complex cases.
This is where working with a clinic experienced in Section B administration can make the process smoother.
Why Timing Matters
Many people delay assessment because:
- Symptoms feel mild
- Pain hasn’t fully developed
- The accident seemed minor
However, delayed symptoms are common after motor vehicle accidents.
Waiting too long to seek care can:
- Complicate approval timelines
- Weaken documentation linking symptoms to the accident
- Prolong recovery
Early assessment protects both your health and your claim.
Bottom Line
Section B insurance in New Brunswick exists to simplify recovery — not delay it.
If you’ve been injured in a motor vehicle accident:
- Open your claim early.
- Get assessed promptly.
- Document thoroughly.
If you’ve opened a Section B claim and need guidance on next steps, we can help streamline the process while focusing on your recovery.