Public Automobile Insurance Plan

Indemnity for Impairment Resulting from a Traffic Accident

If you are living with permanent impairment to your physical or psychological integrity as a result of a traffic accident, you may be entitled to an indemnity for impairment.

What you should know

You may be entitled to an indemnity for impairment if injuries sustained in a traffic accident will affect you permanently, i.e., for the rest of your life, whether the problem is physical or psychological.

The indemnity you may receive is determined on the basis of the severity of your impairment resulting from the accident.

Impairment may be Physical, Esthetic or Psychological

Physical impairment refers to...

the diminished capacity of your body to perform certain functions, for example, difficulty getting around or a loss of vision.

Esthetic impairment refers to…

visible scarring or disfigurement of certain parts of the body.

Psychological impairment refers to...

various mental or cognitive impairments, such as attention or memory problems.

How does the SAAQ assess impairment?

We base our assessment of your impairmentImpairment refers to a physical or psychological problem that persists after an injury has healed. For example, an amputation, paralysis, physical disfigurement or psychological problems may be deemed impairment. on the medical information in your file. You may be required to provide a detailed medical report from your physician.

We may also request an independent medical assessment to better evaluate your impairment.

Amount of the indemnity for impairment

To determine the amount of the indemnity, we use the Schedule of Permanent Functional and Esthetic Impairments, found under Schedule I of the Regulation respecting lump-sum compensation for non-pecuniary damage.

Indemnity for injury

If you have not been left with impairment, you may be eligible for an indemnity injury, which is awarded to compensate for the temporary consequences of an accident (i.e. having to use crutches). 

How does the SAAQ assess the amount of an indemnity for injury?

The severity of the injury is used as the basis for determining the amount of the indemnity, according to the Schedule of Injuries (Schedule II of the Regulation respecting lump-sum compensation for non-pecuniary damage). For example, the amount awarded for a sprained knee is less than what would be awarded for a fractured hip.

Do you have any questions?

We are there to help you. Please call us and 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.

Last update: December 19, 2022