SAAQ Insurance & Claims Management 5

Question 1

A Quebec driver is injured in an accident caused by a driver from Ontario. Who compensates the Quebec resident for bodily injuries?

Accepted Answer

SAAQ, regardless of where the at-fault driver is from

Answer

Quebec's no-fault public plan covers bodily injuries to Quebec residents involved in automobile accidents, regardless of the at-fault party's province of origin.

Question 2

What is the purpose of the 'endorsement' on a Quebec automobile insurance policy?

Accepted Answer

It modifies, adds, or removes coverage from the existing base policy

Answer

An endorsement (avenant) is an amendment attached to the policy that changes its terms, adds optional coverages, or removes standard provisions.

Question 3

Which SAAQ compensation benefit replaces lost employment income for a Quebec accident victim who cannot work?

Accepted Answer

Income replacement indemnity (IRI)

Answer

SAAQ pays an income replacement indemnity (IRR in French) equal to 90% of the victim's net income lost due to accident-caused inability to work.

Question 4

A Quebec policyholder intentionally sets fire to their own vehicle to collect insurance money. How does this affect their claim?

Accepted Answer

The claim is denied and the insurer may report criminal fraud

Answer

Intentional acts (arson) void the insurance claim entirely, and insurers are obligated to report suspected fraud to authorities.

Question 5

In Quebec, what is the general time limit for a private insurer to investigate and render a decision on a property damage claim after receiving notice?

Accepted Answer

60 days

Answer

Under the Quebec Insurance Act, insurers generally have 60 days after receiving the complete proof of loss to pay or refuse the claim.

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

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

SAAQ Insurance & Claims Management 5