Buying Insurance! An Obligation

In most Canadian provinces, the law requires that the owners of an automobile must have car insurance. The requirements and coverage vary from one province to another.

Personal injuries

The Quebec Automobile Insurance Act, adopted on March 1, 1978, made a clear distinction in terms of regulations for victims of personal injuries and victims of property damage. Whether one is responsible or not of an accident, lawsuits are not allowed when an accident with personal injury occurs unless the accident occurs outside of Quebec. The victims are compensated by the Société d’assurance automobile du Québec, whether or not the accident occurs or not on that territory.

For more information on the functioning of compensation for personal injury, please consult the website of the Société de l’assurance automobile du Québec (SAAQ) at this address. http://www.saaq.gouv.qc.ca/faq/faq_victime.php

Property damage

According to the Automobile Insurance Act, the owner of every motor vehicle in Quebec must have a liability insurance contract with a minimum amount of $ 50,000.

To learn more on the obligation to liability insurance in Quebec we invite you to visit the website of The Société de l’Assurance Automobile du Québec (SAAQ)

The policy designed to ensure motor vehicles is imposed by the Automobile Insurance Act and is called the F.P.Q. no1 (Owner’s Form). Private insurance companies offer this protection.

To learn more about the guarantees provided by the QPF No. 1, see the “guarantees of vehicle” section by clicking here.