SAAQ Insurance & Claims Management 3

Question 1

A Quebec driver's vehicle is stolen. Which private insurance section typically covers the loss?

Accepted Answer

Section B-2 – Comprehensive (all perils except collision)

Answer

Theft is covered under Section B-2 (comprehensive/all perils except collision) of Quebec automobile insurance policies.

Question 2

Under Quebec's SAAQ compensation plan, which of the following is NOT covered as a bodily injury benefit?

Accepted Answer

Repair costs for a damaged vehicle

Answer

SAAQ covers bodily injury consequences (income loss, medical care, death benefits) but vehicle repair is a property matter handled by private insurance.

Question 3

How long does a Quebec resident generally have to file a bodily injury claim with SAAQ after an automobile accident?

Accepted Answer

3 years

Answer

Under the Quebec Automobile Insurance Act, a victim has 3 years from the date of the accident (or from when injury became apparent) to file a claim with SAAQ.

Question 4

A Quebec policyholder disagrees with their private insurer's settlement offer for vehicle damage. What is the first formal step available?

Accepted Answer

Request an appraisal by an independent expert under the policy

Answer

Quebec auto policies include an appraisal clause allowing either party to call for independent expert appraisal when they disagree on the amount of loss.

Question 5

Which factor most directly affects the premium for civil liability insurance on a Quebec private auto policy?

Accepted Answer

The driver's claims history and demerit points

Answer

Insurers use the driver's accident history and demerit point record as primary rating factors for civil liability premiums in Quebec.

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

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

SAAQ Insurance & Claims Management 3