SAAQ Insurance & Claims Management 2 — Questions and Answers
Question 1: In Quebec, what happens to your insurance coverage if you lend your vehicle to a friend who causes an accident?
- Your friend's insurance pays first
- Your own automobile insurance policy responds first (Correct answer)
- The SAAQ covers all damages automatically
- You are not liable since you were not driving
Correct answer: Your own automobile insurance policy responds first
In Quebec, automobile insurance follows the vehicle, so the owner's policy responds first when someone else drives with permission.
Question 2: Under Quebec's no-fault system, who compensates a cyclist injured by a motor vehicle?
- The cyclist's private insurer
- The driver's civil liability insurer
- The SAAQ regardless of fault (Correct answer)
- The municipality where the accident occurred
Correct answer: The SAAQ regardless of fault
Quebec's no-fault regime means SAAQ compensates any person injured in an automobile accident, including cyclists, regardless of who was at fault.
Question 3: What is the deadline to report a traffic accident causing injury to the SAAQ in Quebec?
- 24 hours
- 3 days
- As soon as reasonably possible, but without specific delay (Correct answer)
- 30 days
Correct answer: As soon as reasonably possible, but without specific delay
Quebec law requires reporting an accident to SAAQ as soon as reasonably possible; there is no fixed number of hours specified, but prompt reporting is essential.
Question 4: Which type of private insurance covers damage to your own vehicle after a collision in Quebec?
- Civil liability coverage
- Collision or upset coverage (Correct answer)
- Comprehensive coverage
- Uninsured motorist coverage
Correct answer: Collision or upset coverage
Collision or upset coverage (Section B-1 in Quebec) pays for damage to your vehicle resulting from a collision with another object or vehicle.
Question 5: A Quebec driver hits a deer and damages their vehicle. Which coverage applies?
- Collision coverage
- Civil liability
- Comprehensive coverage (Section B-2) (Correct answer)
- SAAQ bodily injury compensation
Correct answer: Comprehensive coverage (Section B-2)
Comprehensive coverage (Section B-2 in Quebec) covers damage caused by animals, fire, theft, and other non-collision perils.
Question 6: In Quebec, civil liability insurance for vehicles is regulated at a minimum of how much per accident?
- $25,000
- $50,000
- $50,000 for bodily injury only
- $50,000 combined single limit for property damage (Correct answer)
Correct answer: $50,000 combined single limit for property damage
Quebec's minimum mandatory civil liability coverage is $50,000, which applies to property damage since bodily injury is handled by the public SAAQ plan.
Question 7: What happens if a Quebec driver flees the scene of an accident injuring another person?
- SAAQ still compensates the victim and then seeks reimbursement from the at-fault driver (Correct answer)
- The victim must sue the driver personally
- The victim's own insurer pays and waives subrogation
- No compensation is available under the public plan
Correct answer: SAAQ still compensates the victim and then seeks reimbursement from the at-fault driver
SAAQ compensates the victim regardless of the at-fault driver's flight, but retains the right to recover amounts paid from the driver who fled.
SAAQ Insurance & Claims Management 2
In Quebec, what happens to your insurance coverage if you lend your vehicle to a friend who causes an accident?