Société de l'assurance automobile du Québec
Société de l'assurance automobile du Québec
Public Automobile Insurance Plan

What Is Covered and How

Québec's public automobile insurance plan provides various types of compensation in the event of a traffic accident.

Here are the various types of compensation provided by Québec's public automobile insurance plan in the event of injury or death as a result of a traffic accident that occurred in Québec or elsewhere in the world.

You have a maximum of 3 years as of the date of the accident, the onset of injury or the death of an accident victim to file a compensation claim with the SAAQ.

About the indemnities paid by the SAAQ…

  • They are not considered taxable income, but they may have an impact on certain tax credits or social programs.
  • Only the income replacement indemnity is subject to garnishment for payment of spousal or child support.
  • Several indemnities are indexed annually.

Last update: May 17, 2022