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Liability and Claims Rules
If I only have "One-Way" (Third-Party Liability) insurance, will my vehicle damage be covered?
If you are at fault:
Your vehicle damage is NOT covered; you must pay for repairs yourself.
If you are not at fault:
In Quebec, if the responsible party can be clearly identified, your insurance company WILL cover your vehicle damage.
Hit-and-run:
If you cannot identify the responsible party, having only "One-Way" insurance typically means NO coverage.
This is general information only and does not constitute insurance advice. Your policy wording and a licensed broker's confirmation prevail.
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