Certain types of traffic accidents are not covered by Québec's public automobile insurance plan, but by programs offered by other bodies or private insurers.
Québec's public automobile insurance plan does not automatically cover all traffic accidents.
Certain accidents are covered by programs offered by government bodies other than the SAAQ, such as the Commission des normes, de l’équité, de la santé et de la sécurité du travail if a traffic accident occurs in a workplace context.
Other types of accidents are solely covered by insurance offered by private insurers.
Note that even though registering an off-road vehicle is mandatory, the vehicle's registration does not entitle the vehicle owner to compensation in the event of an accident, given that the registration fee does not include an insurance contribution.
If in doubt, it is best to file a claim.
Proper insurance coverage – good call!
Snowmobiles and off-road vehicles are governed by the Act respecting off-highway vehicles.
In addition to the vehicle's registration, you must hold a mandatory civil liability policy contracted from a private insurer providing minimum coverage of $1,000,000. The policy must guarantee compensation for property damage and bodily injury in the event of an accident.
If the accident took place while you were at work, you must report it to the Commission des normes, de l’équité, de la santé et de la sécurité du travail or to the body in your province or country that is responsible for compensating victims of work-related accidents.
If your application has been denied, phone us so that we can inform you about the procedure that applies to your situation.
If your aggressor used a vehicle against you, you may claim compensation from:
If you were involved in a traffic accident while assisting a person in distress, you may claim compensation from:
We are there to help you. Phone us, and we will give you all the information that applies to your situation.
Last update: May 26, 2023