SAAQ Insurance & Claims Management

Question 1

What is the minimum required auto insurance coverage in Quebec?

Accepted Answer

$50,000.

Answer

In Quebec, all vehicle owners are legally required to carry a minimum of $50,000 in civil liability insurance from a private insurer. This coverage protects the driver against claims for property damage or bodily injury caused to others in an accident. This private insurance complements the public insurance provided by the SAAQ for personal injury claims.

Question 2

What does Quebec’s public auto insurance cover?

Accepted Answer

Personal injury claims.

Answer

Quebec operates a unique public auto insurance system managed by the SAAQ (Société de l'assurance automobile du Québec). This public insurance exclusively covers personal injury claims for all Quebec residents involved in a road accident, regardless of who is at fault. Property damage, however, is covered by private insurance policies.

Question 3

What should you do immediately after being involved in a minor car accident?

Accepted Answer

Exchange information and document the accident.

Answer

Immediately after a minor car accident, drivers should ensure safety, then exchange information with all parties involved, including names, contact details, driver's license numbers, and insurance information. It is also crucial to document the scene with photos and notes for insurance purposes. Calling the police is generally required only if there are injuries, significant damage, or if a hit-and-run occurs.

Question 4

Which factor can influence your auto insurance premium in Quebec?

Accepted Answer

Past claims and driving history.

Answer

Auto insurance premiums in Quebec, like elsewhere, are primarily influenced by factors that indicate risk. A driver's past claims history, including previous accidents or traffic violations, and their overall driving record (e.g., demerit points, license suspensions) are significant indicators of future risk. These factors directly impact the cost of their insurance policy.

Question 5

What is a deductible in auto insurance?

Accepted Answer

The amount paid before insurance coverage kicks in.

Answer

A deductible in auto insurance is the amount of money an insured person must pay out-of-pocket towards a covered loss before their insurance company starts paying. For example, if you have a $500 deductible and your car sustains $2000 in damages, you pay the first $500, and your insurer covers the remaining $1500. It represents the portion of the loss that the policyholder agrees to bear.

(SAAQ) Société de l'assurance automobile du Québec Practice Test

(SAAQ) Société de l'assurance automobile du Québec Practice Test

SAAQ Insurance & Claims Management