Optional Insurance
You’re not required to purchase insurance coverage for damage caused to the insured vehicle. Different options are available from insurers depending on each consumer’s needs. Find out more at infoinsurance.ca.
Mandatory “No-Fault” Coverage under the Public Plan
In a vehicle collision, whether you are responsible or not, it’s the SAAQ that compensates you if you get injured. This is what is commonly called “pure no-fault”. In Québec, you can’t be sued as a result of a car collision, even if it involves a foreign visitor.
What “Direct Compensation” Means
Your insurer establishes your liability in a collision by the Direct Compensation Agreement (DCA). The DCA is binding on all auto insurers that are licensed to write automobile insurance in Quebec.
Under the Agreement, each driver is compensated directly by his/her own insurer for the damage to their vehicle and its contents in proportion they were not at fault. The degree of fault of each party involved in a collision is established using the Driver’s Fault Chart in the Agreement.