Quebec Mandatory Coverage

You must obtain coverage through Société de l'assurance automobile du Québec and from a private insurer to drive in the province. The premium for injury coverage is included in the cost of your driver's licence. $50,000 in civil liability insurance coverage is mandatory and is obtained from private insurance companies.

The chart below provides a summary of mandatory coverages required by the government. Please refer to the list of sources for more details. 

This information is for educational purposes only. We recommend you consult a qualified insurance professional for further assistance. 


As of January 1, 2021

Private Insurance

Mandatory minimum third-party liability:$50,000; liability limits relate to property damage claims within Quebec and to personal injury and property damage claims outside Quebec.*
Direct Compensation Property Damage Required?Yes.

Public Insurance

Medical payments:No time or amount limit; includes rehabilitation.
Funeral expense benefits:$5,534.
Disability income benefits:90% of net wages based on gross annual income of maximum $83,000/year; nothing is payable for the first seven days of disability; indexed.
Death benefits:Death any time after accident; benefits depend on gross annual income multiplied by a factor between one and five, depending on age of victim; benefits for spouse range from $73,846 to $415,000; benefits for dependent children are age-defined and range from $ 35,075 to $ 64,618; if there is no surviving spouse/dependant, parents or estate receive $58,603.
Impairment benefits:Up to $258,947.
Right to sue for pain and suffering?No
Right to sue for economic loss in excess of no-fault benefits?No
Administration:Bodily injury: government; property damage: private insurers.
Notes:*A different mandatory liability amount is required for off-road vehicles and covers personal injury within and outside Quebec.

 

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