CAR INSURANCE IN THE PROVINCE OF QUEBEC

Auto insurance in Quebec is a combination of government and private insurances. The government insurance compensates for injuries to people sustained in any road accident involving a motor vehicle, and private insurers cover you for property damage. The public car insurance plan is funded by contributions included in the cost of drivers' licences and car registrations. The plan is managed by the Québec Motor Vehicle Bureau and covers all residents of Quebec anywhere in the world. The auto insurance in Quebec is strictly based on the no fault policy. That means the insurance coverage does not require identifying which party was at-fault and the law does not allow the injured party to sue the at-fault party for additional money for pain and suffering, additional medical expenses and lost wages. If you are injured in a road accident involving a motor vehicle, you should contact the Québec Motor Vehicle Bureau as soon as possible. For property damage, there are more than 100 private insurers selling car insurance in the province. Third party liability coverage is mandatory and must be purchased from one of the private insurers.