Canada has a few ways of
We’ve got the lowdown on Quebec’s auto insurance and how you’re covered. Whether you’re a Quebec resident, or just visiting.
What’s the backstory?
Since 1978, Quebec has had a “dual” insurance system. The government and private insurers supply separate coverage that’s required to be insured. The
I’m insured in Quebec. How am I covered?
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.
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?
What’s the claims process like?
Quebec auto insurers use the
Anything else I should know as a Quebec resident?
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.
Just visiting Quebec? Here’s how you’re covered if you’re in an accident.
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).
Are you insured in Alberta, Manitoba or Ontario?
Your own insurer will provide the same claim payment instead of the SAAQ, regardless of fault.