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Car Insurance - Québec

Mandatory Coverage

If you own and operate an automobile, you are required by law to insure it. Civil Liability is the only mandatory coverage in the Province of Québec.

Civil liability includes Property Damage and Bodily Injury.

  • Property Damage:
    The owner of an automobile must hold a civil liability insurance contract for at least $50,000 that covers property damage and bodily injury caused by the vehicle. Most drivers choose $1 million.

    Under Québec’s Direct Compensation Agreement, you collect from your own insurance company if your vehicle is damaged, even if the other driver is at fault.
  • Bodily Injury:
    If you reside in Québec and are injured in or outside Québec, you must submit your claim to La Société d’Assurance Automobile du Québec (SAAQ).

In case of discrepancy between the information provided on this website and your insurance policy, your insurance policy prevails. Remember, the exclusions and limitations specified in your policy apply in all circumstances.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance advisor before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.


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