Home / Newfoundland and Labrador / Questions / Rules of the Road Rules of the Road Report NL auto insurance is based on: A Pure no-fault B Tort system with minor injury cap C At-fault only D Federal pool Show Answer & Explanation Correct Answer: B. Tort system with minor injury cap Cap adjusts annually. Previous Next More Rules of the Road Questions After impaired conviction, NL requires: Full Class 5 in NL covers: Refusing lawful police breath demand: Minimum time in Level I Learner stage: Minimum time in Level II Novice before Level III: Often Missed All Newfoundland and Labrador Questions Smart Practice Mock Exam Road Signs Guide