Left Navigation 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, 2017Private InsuranceCompulsory minimum third-party liability:$50,000; liability limits relate to property damage claims within Quebec and to personal injury and property damage claims outside QuebecDirect Compensation Property Damage Required:YesPublic InsuranceMedical payments:No time or amount limit; includes rehabilitationFuneral expense benefits:$5,178Disability income benefits:90% of net wages based on gross annual income of maximum $72,500/year; nothing is payable for the first seven days of disability; indexedDeath benefits:Death any time after accident; benefits depend on gross annual income multiplied by a factor between one and five, depending on age of the victim; benefits for spouse range from $69,102 to $362,500; benefits for dependent child depend on their age and range from $32,822 to 60,466; if there is no surviving spouse/dependant, parents or estate receive $55,386Impairment benefits:Up to $242,311Right to sue for pain and suffering?NoRight to sue for economic loss in excess of no-fault benefits?NoAdministration:Bodily injury: government; property damage: private insurersNotes: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, 2017Quebec Auto Insurance Policy Form Q.P.F. No.1, March 1, 2014The Insurance Policy for All QuebecersCalculation of Death Benefits Auto Insurance Q & AQuestions to ask your insurance representative.All about Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Useful LinksFACTS of the Property & Casualty Insurance IndustryThe FACTS of the Property & Casualty Insurance Industry is published by Insurance Bureau of Canada (IBC), the trade association representing Canada’s private property and casualty (P&C) insurance companies. IBC has published FACTS since 1972 to provide a snapshot of the state of the P&C insurance industry. Buying Auto InsuranceKnow how insurance premiums are calculated, where to turn for insurance if you are a higher-risk driver and what additional auto insurance coverage is available. Insurance Premium AllocationThe premiums of many policyholders pay the claims of the few who suffer a claim. Insurers put premiums toward a mix of claims costs, investments and operational expenses. Types of CoverageCollision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country Canadian Loss Experience Automobile Rating (CLEAR)Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it.