Quebec's Blended Automobile Insurance Plan

Quebec has a blended automobile insurance plan. Property damage is covered by private insurers, while bodily injury is covered by Société de l’assurance automobile du Québec (SAAQ).

Private insurance for property damage

• Coverage offered by the various insurance companies
• Covers property damage for your vehicle and civil liability

Quebec's public plan for bodily injury is often referred to as the "no fault" system because compensation is determined without regard to drivers’ responsibility.

Public plan for bodily injury

• Administered by SAAQ
• Covers bodily injury as a result of an automobile accident in Quebec or elsewhere
• Insurance premium included in the cost of the driver’s licence and the vehicule registration