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Liability and Claims Rules
After a vehicle collision, which insurance company pays?
In Quebec, the "Direct Compensation" principle applies.
Regardless of who is at fault, your vehicle damage is covered by your own insurance company.
Insurance companies will settle internally based on fault determination.
This simplifies the process - you don't need to deal directly with the other party's insurance company.
This is general information only and does not constitute insurance advice. Your policy wording and a licensed broker's confirmation prevail.
Related questions
- If I only have "One-Way" (Third-Party Liability) insurance, will my vehicle damage be covered?
- How does the deductible work? How should I choose it?
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