Certain types of traffic accidents are not covered by Québec's public automobile insurance plan, but by other bodies or private insurers.
Québec's public automobile insurance plan does not automatically cover all traffic accidents.
Certain accidents are covered by other government bodies, such as the Commission de la santé et de la sécurité du travail, if a traffic accident occurs in that particular context.
Other types of accidents are solely covered by private insurers.
If in doubt, it is best to file a claim.
Exclusions relating to motor-assisted bicycles, motorized mobility aids and motorized personal mobility devices will come into effect as soon as the Regulation respecting the application of the Automobile Insurance Act has been amended.
Proper insurance coverage – good call!
Off-road vehicles, such as snowmobiles, 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 $500,000. The policy must guarantee compensation for property damage 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.