Quebec Accident Benefits Explained

Public or Private?

Quebec has public insurance through the Société de l'assurance automobile du Québec (SAAQ). This means the provincial government is responsible for issuing and regulating automobile insurance policies for the citizens of that province.

No fault or Tort-based?

Quebec has no-fault liability rules. This means an automobile insurer will pay certain benefits prior to determining who was liable and the parties cannot sue one another in court for a civil claim (usually negligence).

Accident benefits in Quebec


are limited to $ 5,377.00


can range anywhere between $ 57,510.00 and $ 382,500.00 depending on the applicant's relationship with the deceased.


the lesser between the maximum of $76,500.00 or 90% of the applicant's gross annual wage.


minimum wages.

How to claim accident benefits in Quebec

Under the public automobile insurance plan, all Quebecers are covered in the event of a traffic accident in Québec or anywhere else in the world, regardless of whether they were responsible.
If you sustained bodily injuries in an accident, you must take the following actions as quickly as possible:


If you have been injured in a crash and have coverage from another provider (for example, extended health care from your employer or individually purchased disability insurance), your other insurance will be the primary payer for most medical expenses and/or income replacement.

Want to Learn More?

Read or download  The Insurance Policy for all Quebecers in the Event of Injury or Death due to an Automobile Accident ( from the SAAQ website.
You can also view a copy of Québec’s Public Automobile Insurance Plan - SAAQ (
You can also call SAAQ at 1-800-361-7620 for general information or visit SAAQ - Société de l'assurance automobile du Québec (
If you have further questions about this process, or your benefits, contact your claims adjuster. If you do not know who your claims adjuster is, contact the insurance company.
You can also contact the Insurance Bureau of Canada at 1-844-227-5422 or the General Insurance Ombudservice at 1-877-225-0446.