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, 2020

Private Insurance
Compulsory 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:$5,479
Disability income benefits:90% of net wages based on gross annual income of maximum $78,500/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 $73,115 to $392,500; benefits for dependent children depend on their age and range from $34,728 to $63,978; if there is no surviving spouse/dependant, parents or estate receive $58,603
Impairment benefits:Up to $256,383
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:Lawsuits are not permitted with respect to injuries sustained in automobile accidents in Quebec. Victims and their dependants (if residents of Quebec) are compensated by their government insurer for their injuries whether or not the accident occurs in Quebec. Accident victims who do not reside in Quebec are entitled to compensation only to the extent that they are not responsible for the accident, unless otherwise agreed between the Société de l'assurance automobile du Québec and authorities of the victims' place of residence; additional compensation may be available from their own insurers.

 

Sources:

All online sources were accessed on March 1, 2020