What is the SEF 44 Family Protection Endorsement?

Posted on Wednesday, February 01, 2012 by Jamie Martin and Amanda MacDougall*
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The SEF 44 Family Protection Endorsement is optional coverage that may be part of your automobile insurance policy. This insurance coverage is not part of the Standard Form Automobile Policy and it is not mandatory under the Insurance Act. However, the vast majority of insurance companies include it in their standard automobile insurance coverage. You are required to pay an extra premium for this coverage.

The SEF 44 Endorsement provides you, as well as family members in your automobile, with extra protection in case you are injured by another motorist who does not have enough insurance coverage to pay the injury claim. The Endorsement acts as a ‘top up’ in situations where the other driver’s insurance does not cover the full extent of the damages and loss occurred.

For example, Carlie Cautious is struck from behind by Rex Reckless. Rex’s insurance coverage is to a maximum of $500,000 but Carlie’s injuries and loss total $1,000,000. Rex’s insurance would pay the maximum of  his policy ($500,000)  and then Carlie would make a claim against her own insurance, under the SEF 44 Endorsement, for payment of any compensation above the $500,000. Carlie’s SEF 44 Endorsement should respond to top up the short fall by providing her with the remaining $500,000.

It is important to notify your own insurance company as soon as you suspect that the other driver may not have enough insurance coverage to pay your injury claim.

An experienced lawyer at Roebothan McKay Marshall can discuss with you whether you have the SEF 44 Endorsement as part of your automobile insurance policy and if you should notify your insurance company regarding a potential claim.

If you have been injured in a motor vehicle accident and you have questions or need help understanding your insurance and compensation rights, make the call to Roebothan McKay Marshall. We are here 24 hours a day, seven days a week. It will cost you absolutely nothing to speak with one of our experienced personal injury lawyers.

*Articled Clerk