Public Automobile Insurance Plan

Indemnity for Care Expenses

You may file a claim with the SAAQ to receive an indemnity for care expenses or the reimbursement of care expenses.

Indemnity for care expenses

You may be entitled to an indemnity for care expenses:

  • if, at the time of your traffic accident, your main occupation was to provide care – without pay – for persons under 16 years of age or disabled persons

  • AND

  • if, after your accident, you are unable to provide care for those persons

Amount of the indemnity

The amount of the indemnity is calculated on the basis of the number of persons under 16 years of age or disabled persons who were under you care. The weekly amounts are:

  • $438 for 1 person
  • $492 for 2 people
  • $543 for 3 people
  • $598 for 4 or more people

If you also held part-time employment – fewer than 28 hours per week – and you are unable to go back to work as a result of your accident, you are entitled, in addition to the indemnity for care expenses, to an income replacement indemnity.

If your disability lasts longer than 180 days, you will then have to choose between continued payment of the indemnity for care expenses and payment of an income replacement indemnity.

Reimbursement of care expenses

You can apply for the reimbursement of expenses incurred to provide care for children under 16 years of age or disabled individuals, if:

  • you are unable to provide care for those people because of your accident

  • OR

  • you are able to provide care for those people but must leave for one of the following reasons:
    • to receive medical care that we can reimburse
    • to undergo an assessment by a health care professional at our request
    • to take part in rehabilitation activities that we can reimburse

Amount of the reimbursement

The amount of the reimbursement is calculated on the basis of the number of children under age 16 or disabled persons. The weekly amounts are:

  • $133 for 1 person
  • $175 for 2 people
  • $223 for 3 people
  • $264 for 4 or more people

Claiming a reimbursement from the SAAQ

Care expenses are reimbursed on presentation of supporting documents (receipts or invoices).

Remember to write your claim number on these documents.

Do you have any questions?

We are there to help you. Phone us. We will give you all the information that applies to your situation. If need be, we will put you in contact with your compensation officer.