Insurance Coverage in Quebec
Compulsory minimum third-party liability
$50,000; liability limits relate to property damage claims within Quebec and to personal injury and property damage claims outside Quebec
Medical payments
No time or amount limit; includes rehabilitation
Funeral expense benefits
$4,957
Disability income benefits
Up to $231,956
Death benefits
Death any time after injury; benefits for partners depend on wage and age of deceased and range from $57,798 to $435,000; benefits for dependent children depend on their age and range from $27,021 to $49,777; disabled dependants receive an additional $25,286; non-dependent children or parents receive $12,871
Impairment benefits
Minimum $721/week, maximum $144,490 for non-catastrophic injury. Maximum $228,154 for catastrophic injury
Administration
Private insurers
Right to sue for pain and suffering?
No
Right to sue for economic loss in excess of no-fault benefits?
No. Lawsuits are not permitted with respect to injuries sustained in automobile accidents in Quebec. Victims and their dependants (if residents of Quebec) are compensated by their government insurer for their injuries whether or not the accident occurs in Quebec. Accident victims who do not reside in Quebec are entitled to compensation only to the extent that they are not responsible for the accident, unless otherwise agreed between the Societe de l’assurance automobile du Quebec and authorities of the victims’ place of residence; additional compensation may be available from their own insurers.
Notes
None
Understanding Your Coverage
Auto insurance in Quebec is provided by both a government insurer and private insurers. The government insures against injuries to people, and private insurers cover you for property damage.
In the case of bodily injury, Quebec has a pure no fault system, which means there is no right to sue the at-fault driver for pain and suffering or additional medical and economic expenses.
For property damage, there are more than 100 private insurers selling auto insurance in Quebec.
In the case of bodily injury, Quebec has a pure no fault system, which means there is no right to sue the at-fault driver for pain and suffering or additional medical and economic expenses.
For property damage, there are more than 100 private insurers selling auto insurance in Quebec.
