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