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.*
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| Direct Compensation Property Damage Required? | Yes.
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Public Insurance
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| Medical payments: | No time or amount limit; includes rehabilitation.
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| Funeral expense benefits: | $5,534.
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| 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.
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| 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.
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| Notes: | *A different mandatory liability amount is required for off-road vehicles and covers personal injury within and outside Quebec.
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