Canada has a few ways of
Did you know? A crown corporation is a business owned by federal or provincial governments. They’re structured to be like private companies. Many industries have a crown corporation such as transit and postal services.
We’ve got the lowdown on Quebec’s auto insurance and how you’re covered. Whether you’re a Quebec resident, or just visiting.
Since 1978, Quebec has had a “dual” insurance system. The government and private insurers supply separate coverage that’s required to be insured. The
Here’s the coverage provided by the SAAQ and private insurers:
Bodily injury: You’re covered for injuries after an auto accident, no matter who’s at-fault. In some cases, non-residents are covered if the accident happened in Quebec.
In special situations, the SAAQ covers physical damage. An example is if
The SAAQ only provides mandatory coverage.
Did you know? The SAAQ will cover you worldwide. Imagine you’ve had a car accident on vacation. Worst case could be a lengthy hospital stay or being stuck in a difficult situation. Not a fun thought. The good news is the SAAQ will do everything it can to bring you back to Quebec (if your health allows it).
Civil Liability: Financial coverage for damage to someone’s property due to an accident. Quebec requires at least $50,000
Bodily injury to others is covered in cases the SAAQ doesn’t cover.
Loss of or Damage to the Insured Automobile: You’re covered for damage to your own vehicle. There are different amounts of coverage:
- All Perils
- Collision or Upset
- Specified Perils
Want to know more?
Did you know? Most private insurers offer extra bodily injury coverage. It’s worth looking into. You’d be able to claim more, on top of the SAAQ limits. Check the limits to see if the extra protection merits a little more premium.
Quebec auto insurers use the
Quebec banned lawsuits for bodily injury caused by an auto accident.
- You can’t sue if an accident is in Quebec and you’re covered by the SAAQ.
- If the accident is outside of Quebec, you can sue the third party for damages beyond SAAQ limits.
- A third party could sue if you’re in an accident outside of Quebec. Civil Liability will protect you.
There are two scenarios:
- Travelling in a Quebec registered vehicle. You’re entitled to SAAQ payments.
- Not travelling in a Quebec registered vehicle. You’re entitled to the percentage you’re not at-fault for the accident. (E.g. if you were 25% at-fault, you’d be entitled to 75% of the claim).
Your own insurer will provide the same claim payment instead of the SAAQ, regardless of fault.
Check out our coverage, specifically catered for Quebec.