Newfoundland and Labrador Auto insurance in Newfoundland and Labrador is provided by more than 50 private companies that compete for customers by offering a different mix of price, coverage and service. Everyone who wants to drive a car in Newfoundland and Labrador must by law buy a minimum amount of insurance (see ) and has the option to buy more to suit their needs. Having the right auto insurance coverage is essential for everyone who relies on their car to get them around. When Newfoundlanders are involved in accidents, their insurance companies protect them financially if they hurt someone else and are sued for it. And, for drivers who buy accident benefits, insurers help them heal from injuries and support them if they are unable to work. In Canada, provincial governments decide which mandatory benefits are included in the auto insurance product. The challenge is finding the right balance between affordable price for all drivers and adequate coverage for those who have to make a claim. For instance, if government makes the product very generous, it could become too expensive for many drivers. Recent changes to Newfoundland and Labrador’s auto insurance system helped improve that balance of affordability and adequate coverage (see auto reforms). But more can be, and is being, done to ensure Newfoundlanders are receiving the best coverage for the best possible price.