Basic Concepts and Coverage Structure
What is the overall structure of Quebec auto insurance? What do the government and commercial insurers each cover?
Quebec operates under a model of "government-covered personal injury + commercial company-covered vehicle/property damage."
Personal Injury:
Regardless of who is at fault, personal injuries (injury, disability, death) from traffic accidents in Quebec are covered by the provincial government's automobile insurance association, SAAQ (Société de l'assurance automobile du Québec).
Vehicle and Property Damage:
Covered by commercial insurance companies, including damage to your own vehicle and property damage to third parties (e.g., hitting someone else's car or house).
This is general information only and does not constitute insurance advice. Your policy wording and a licensed broker's confirmation prevail.
Related questions
- How are "One-Way" and "Two-Way" insurance understood in Quebec?
- What are the "Three Major Coverages" and "Three Minor Coverages"?
- What is "Replacement Cost Endorsement" for new vehicles?
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