Québec’s auto-insurance plan

This plan entitles everyone residing in Québec to compensation for injuries sustained in any road accident involving an automobile, whether the injured party is the driver, a passenger, a cyclist or a pedestrian. This coverage applies all over the world, and does not require identifying who was at fault.

This public auto-insurance plan is funded by contributions included in the cost of drivers' licences and car registrations.

The plan is managed by the Société de l’assurance automobile du Québec (SAAQ - Québec motor vehicle bureau). Its goal is to insure and protect everyone residing in Québec from the risks associated with road travel. The SAAQ is also responsible for issuing driver's licences and car registration certificates.

In case of an accident

If you are injured in a road accident, contact the SAAQ as soon as possible. You may be entitled to one or more compensation amounts, which vary depending on the seriousness of the injury and your particular circumstances. If your injuries prevent you from returning to your regular activities, you may be entitled to rehabilitation care and services.

In the case of damage to your vehicle or to another, or damage entailing civil liability, inform your insurer immediately. The insurer will explain how to file a claim. While it is always preferable to obtain a police report, drivers involved in a minor accident incurring no injuries often decide to fill out a Joint Report of Vehicle Accident.

Regardless of the particular circumstances, the insurers will decide between themselves on the degree of responsibility of each driver involved.

Leaving the scene of an accident in which you were involved is a serious offence, and may entail severe penalties.

	USEFUL INFORMATION
	Joint Report of Vehicle Accident forms are available free of charge from insurance companies. It is a good idea to keep one on hand in your vehicle. The SAAQ can help you fill out a request for compensation for injuries sustained in a road accident.

Useful links

• Groupement des assureurs automobiles
  Compensation for property damage and Joint Report of Vehicle Accident form
• Insurance Bureau of Canada
  Insurance forms and resources
• Société de l’assurance automobile du Québec