SAAQ Insurance & Claims Management 2

Question 1

In Quebec, what happens to your insurance coverage if you lend your vehicle to a friend who causes an accident?

Accepted Answer

Your own automobile insurance policy responds first

Answer

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?

Accepted Answer

The SAAQ regardless of fault

Answer

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?

Accepted Answer

As soon as reasonably possible, but without specific delay

Answer

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?

Accepted Answer

Collision or upset coverage

Answer

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?

Accepted Answer

Comprehensive coverage (Section B-2)

Answer

Comprehensive coverage (Section B-2 in Quebec) covers damage caused by animals, fire, theft, and other non-collision perils.

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

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

SAAQ Insurance & Claims Management 2