Expert Analysis

Serve the insured: What Newfoundland and Labrador’s 120-day notice rule really costs a plaintiff

By David S. Williams ( November 10, 2026, 9:36 AM EST) -- Since Jan. 1, 2020, every lawyer taking a motor vehicle injury file in Newfoundland and Labrador has had a new deadline on the diary. Section 25.1 of the Automobile Insurance Act, RSNL 1990, c. A-22 requires a person who intends to sue for bodily injury or death arising from the use or operation of an automobile to serve written notice of that intention on the insured within 120 days after the accident....