Private insurers cover your civil liability and damage to your vehicle for your travel in Canada and the U.S.
The public plan, administered by Société de l’assurance automobile du Québec (SAAQ), covers you all over the world if you’re injured.
![Umbraco.Cms.Core.Models.MediaWithCrops`1[Umbraco.Cms.Web.Common.PublishedModels.Image]](/media/213dbeux/i_collision.png)
Own a car? In Quebec, you must have civil liability coverage of at least $50,000. This is Section A of your policy. Most often, individuals choose coverage for $1 million or $2 million.
Section A Coverage![Umbraco.Cms.Core.Models.MediaWithCrops`1[Umbraco.Cms.Web.Common.PublishedModels.Image]](/media/hrzj1g0u/i_responsabilite-civile.png)
If you want, you can choose between different types of coverage. This is Section B of your policy.
Section B Coverage?
Your car is at the garage and you need to rent a car for a short period? You’d like to have the damage repaired or have your car replaced, without taking into account its depreciation?
Additional coverage is available in these cases, depending on how you use your vehicle.
What Are these Endorsements?![Umbraco.Cms.Core.Models.MediaWithCrops`1[Umbraco.Cms.Web.Common.PublishedModels.Image]](/media/mopdgh0k/i_options-protection.png)
The deductible is the amount you pay when you file a claim.
Low or High Deductible?
It all depends…Your auto insurance premium is based on a number of factors: your model of car, your driver profile, your coverage, your deductible, etc.
Shop Around and Compare Quotes!
Main Factors that Affect the PremiumCollision with injuries or hit-and-run? Call the police.
Fender bender? Just complete a Joint Report. Don’t have one? Then exchange your complete information with the other driver (name, phone number, driver’s licence number, proof of insurance).
Joint Report at a glance![Umbraco.Cms.Core.Models.MediaWithCrops`1[Umbraco.Cms.Web.Common.PublishedModels.Image]](/media/qsnl3mlv/constat-amiable-icone.png)
Call your insurer as soon as possible. In case of a collision, he’ll establish whether or not you’re at fault, using the Direct Compensation Agreement (DCA).
At-fault or Not At-fault for a Collision?![Umbraco.Cms.Core.Models.MediaWithCrops`1[Umbraco.Cms.Web.Common.PublishedModels.Image]](/media/zicn1ar4/i_reclamation.png)
Your insurer will assess the cost of repairs, which lets you know whether your car can be repaired, or if it has to be declared a total loss.
![Umbraco.Cms.Core.Models.MediaWithCrops`1[Umbraco.Cms.Web.Common.PublishedModels.Image]](/media/dannjvjc/i_estimation.png)
You can use the repair shop of your choice, or the one recommended by your insurer. New parts or recycled parts? That depends on your coverage.
![Umbraco.Cms.Core.Models.MediaWithCrops`1[Umbraco.Cms.Web.Common.PublishedModels.Image]](/media/qx2lcmxm/i_reparations.png)
The Fichier central des sinistres automobiles (FCSA) is a database that your insurer consults to track your claims history for the past six years (accident, theft, vandalism, etc.). This information is also used to establish your auto insurance premium.
Consult or verify your Claims File: You can do it for free if you believe there is a mistake.
Go to your Claims history statement