In the Event of a Death in a Traffic Accident

If you have lost a loved one in a traffic accident, the SAAQ is there to help you file a claim for death benefits and funeral expenses.

Useful information

The SAAQ and all our personnel offer you our sincerest condolences. At this trying time, rest assured that we will do everything possible to assist you in filing a claim for compensation.

1 What you should know

Useful information

You have 3 years from the date of your loved one's death to file a claim for compensation with the SAAQ.

You can count on us to guide you through this process and provide any assistance you may require.

Difficult though it may be, you must have your loved one's documents cancelled

Here is a list of certain documents of the deceased that must you must have cancelled:

  • his or her driver's licence
  • his or her vehicle registration certificate
  • his or her disabled parking permit, if applicable

2 Amount of death benefits and funeral expenses

Death benefit paid to the spouse

The minimum death benefit paid to the spouseThe spouse may be the person married to the deceased or the de facto spouse of the deceased. A person is the de facto spouse of another person if the 2 of them have lived together as a couple for at least 3 years, or if they have a child together and have lived together as a couple for at least 1 year. is $68,148 and the maximum is $357,500.

The amount of the death benefit is calculated by multiplying the deceased's gross annual income by 1 to 5, based on his or her age.

Refer to the death benefit calculation tool.

Death benefit paid to a spouse who is disabled

The minimum death benefit paid to a spouse who is disabledThe SAAQ considers a person to be disabled if, because of the person’s mental or physical condition, he or she requires constant care and is therefore unable to work and lead an active life. is $68,148 and the maximum is $357,500.

The amount of the death benefit is calculated by multiplying the deceased's gross annual income by 1 to 5, based on his or her age.

Refer to the death benefit calculation tool.

Death benefit paid to dependants

The children of the deceased are entitled to receive a death benefit for dependantsA dependant may be a minor child or a child of full age, provided the deceased was providing for more than 50% of the child’s needs at the time of death.. The benefit is calculated based on their age at the time of their parent's death.

If the deceased had no spouse, the children are entitled to receive—in addition to the death benefit for dependants—the amount of the death benefit that would otherwise have been payable to the spouse.

Dependants other than the spouse, if disabled at the time of the deceased's death, will receive an additional benefit of $28,110.

Refer to the death benefit calculation tool.

Death benefit paid if the deceased had no spouse or dependants

We pay a lump-sum benefit of $54,621:

  • to the parents or guardians, if the deceased was a minor
  • to the succession (i.e., the estate), if the deceased was of full age

Compensation for diminished quality of life

This compensation can be granted for mental suffering, pain and diminished quality of life suffered by the deceased only if his or her death occurred more than 24 hours after the accident.

The amount of the compensation for diminished quality of life is calculated based on the severity of the injuries.

Psychological support

To help you cope with your loss, we can reimburse you for up to 15 hours of psychological counselling, to a maximum of $86.60 per hour.

To qualify for psychological support, you must be granted a death benefit.

Reimbursement of certain expenses

If your loved one was hospitalized before his or her death and you remained by his or her side at the doctor's request, we can reimburse you for travel and living expenses.

We can also pay you a daily allowance for accompanying your loved one before his or her death.

The maximum amount of this allowance is:

  • $35 for 4 hours or less
  • $70 for more than 4 hours

Lump-sum amount for funeral expenses

We automatically pay the succession a lump-sum amount of $5,107 for funeral expenses.

3 Claim for Death Benefits

Filing your claim for death benefits

Online

Use our online service to file your claim for death benefits.

Using the paper form

If you prefer to file your claim using the paper form, you must first call us to open a file and be given a claim number. You will need this number to complete the documents that must be filed as part of your claim for death benefits.

Refer to the Guide to the Claim for Death Benefits (PDF, 275 KB) for help in completing the form. If you need our assistance, you can count on us.

Enclosing the required documents with your claim

  • Proof of the accident
  • Proof of death, such as the death certificate issued by the funeral director or by the Directeur de l'état civil
  • If you are receiving psychological counselling, the medical order and the receipts or invoices of the health care professional
Useful information

Remember to write your claim number on all documents you enclose with your claim.

Additional documents to enclose with your claim, depending on the deceased's situation

If the deceased was a salaried employee
If the deceased was self-employed

You must send us, for each of the past 3 years:

Resident of Québec

  • his or her provincial income tax returns
  • his or her notices of assessment
  • his or her Business or Professional Income and Expenses forms from Revenu Québec or his or her statement of income (income and expenses)

Resident of other Canadian provinces

  • his or her federal income tax returns
  • his or her notices of assessment
  • his or her Statement of Business or Professional Activities forms from Revenue Canada or his or her statement of income (income and expenses)
If the deceased was a full-time student and age 16 or older

You must have the Attestation of School Attendance form completed. This form is provided to you with the death benefit claim form.

If the deceased was receiving Employment Insurance benefits or an employment assistance allowance

You must have the Confirmation of Employment Insurance Benefits Lost or Confirmation of an Employment-Assistance Allowance Lost form completed. This form is provided to you with the death benefit claim form.

Useful information

Remember to write your claim number on all documents you enclose with your claim. If certain documents are missing, you can send them to us later.

Submitting your documents

Online

Use our Document Submission online service

By fax

1 866 289-7952

By mail

Société de l'assurance automobile du Québec
Case postale 2500, succursale Terminus
Québec (Québec) G1K 8A2

Useful information

If you file your claim online or by fax…

You are not required to mail us the original documents.
Remember to write your claim number on all your documents.

4 Processing the claim and decision

The time required to process a claim for death benefits is variable. It depends on when the necessary documents are received and how long it takes to analyze them.

The compensation officer in charge of processing your claim will contact you. The officer will also send you the decision in writing.

If your death benefit claim is granted, the compensation officer will indicate in the letter sent to you the amount you will receive.

If your death benefits claim is denied and you do not understand the reason for the decision, phone your compensation officer for more information. If you are still unsatisfied, you have the right to contest the decision.

Useful information

Direct deposit of the death benefit

The SAAQ can deposit the death benefit directly in your bank account. If you choose this option, complete section 18 – Direct Deposit of the form and remember to enclose a cheque marked “VOID.”