Property damage in the event of a Hit-and-Run

If your vehicle or other property was damaged in a hit-and-run accident and you are unable to identify the owner or driver who caused the accident, the SAAQ could compensate you for the property damage you sustained.

1 What you should know

Eligibility Criteria

You can file a claim for compensation if all of the following conditions are met:

  • The accident occurred in Québec.
  • You are the owner of the damaged vehicle or property (a fence or a bicycle, for example).
  • You are not entirely responsible for the accident.
  • Your insurance policy does not cover hit-and-run accidents.
  • Your insurance policy includes civil liability coverage of at least $50,000.
  • You reported the hit-and-run to the police no later than 48 hours after it occurred.
  • You filed your claim with the SAAQ no later than 60 days after the accident.
  • No repairs were made to your vehicle or property before the SAAQ assessed the damage.
  • Your driver’s licence is valid and was not under suspension at the time of the accident.
  • Your vehicle is registered and its registration is valid.
  • Your vehicle or other property sustained more than $500 in damage (the minimum deductible is $500 and the maximum amount of compensation is $10,000).
Warning

Please note that the SAAQ may request to have the damage assessed by an accredited appraiser at any point before rendering a decision on the eligibility of a claim for property damage to a vehicle or other property in the event of a hit-and-run.

Exclusions

You cannot file a claim for compensation if you are in any one of the following situations:

  • Your insurance policy covers the property damage you sustained.
  • You were driving your vehicle while your licence was under suspension or was not valid.
  • You did not hold civil liability insurance covering property damage to another party.
  • Your vehicle was not registered or your registration fees had not been paid.
  • You are claiming compensation for objects being carried in the damaged vehicle.
  • The vehicle or other property sustained less than $500 in damage.
  • You are an insurer, a legal person (company or business), a partnership, a government body or an agent or mandatary of the government.
  • The property damage was caused by a vehicle that was taking part in a race, competition or show on a track or area closed to all other automobile traffic.

2 Claim for compensation in the event of a hit-and-run

    • Documents to provide

      • Authorization to Obtain and Disclose Personal Information in the Case of Property Damage form
      • Claim for Property Damage form
      • Section of your automobile insurance policy indicating the amounts of the applicable deductibles at the time of the accident and the vehicle model
      • Incident report (if police officers did not go to the scene of the accident)

      Optional documents to provide

      • A damage assessment report from a professional, a supplier or a contractor, if the damaged property is not a vehicle
      • Photographs of the damage to your vehicle or property

You can:

Contact us

Telephone

In Québec: 418 643-7620
In Montréal: 514 873-7620
Elsewhere (Québec, Canada, United States): 1 800 361-7620

Email

delit-fuite@saaq.gouv.qc.ca

To submit your documents

Fax

Québec area: 418 646-6818
Elsewhere: 1 866 882-6964

Mail

Société de l'assurance automobile du Québec
C. P. 19150, succursale Terminus
Québec (Québec) G1K 9C3

3 Processing your claim and our decision

Once we have received your claim for property damage, we will begin analyzing your file as soon as possible. If necessary, a compensation officer will contact you. We could ask you to provide additional documents.

If you are unsatisfied with the decision rendered by your compensation officer, you can contest it before the Small Claims Division of the Court of Québec.