{"id":20180,"date":"2014-04-06T15:41:59","date_gmt":"2014-04-06T19:41:59","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/quebec-automobile-insurance-2\/"},"modified":"2026-05-01T12:39:10","modified_gmt":"2026-05-01T16:39:10","slug":"quebec-automobile-insurance-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/quebec-automobile-insurance-2\/","title":{"rendered":"Quebec Automobile Insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/assurance-auto\/#article\", \"headline\": \"Assurance automobile du Qu\u00e9bec\", \"url\": \"https:\/\/www.assur360.ca\/assurance-auto\/\", \"datePublished\": \"2014-04-06T15:41:59\", \"dateModified\": \"2026-03-27T12:39:10\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, courtier d'assurance certifi\u00e9 AMF (n\u00ba 2000037336), propri\u00e9taire d'Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"Assurez votre v\u00e9hicule au Qu\u00e9bec: infos sur l'assurance auto, r\u00e9glementation et couverture en cas d'accident. L'assurance auto est obligatoire!\"}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">AUTOMOTIVE<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Car quote in 3 minutes<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">AMF Brokers. Best car prices in Quebec compared for you. <\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Get started<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/orso-le-courtier-assurance-auto.png\" alt=\"Orso, Assur360 car insurance broker\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Automobile du Qu\u00e9bec: Protect your vehicle anywhere in the province<\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Auto insurance in Quebec<\/strong> is essential to legally drive and protect your vehicle, whether you drive in <strong>an urban, rural or regional area<\/strong>. Governed by rules specific to Quebec, it combines the <strong>SAAQ&#8217;s<\/strong> public plan for bodily injury and private insurance for <strong>property damage and civil liability<\/strong>. Understanding how <strong>Quebec car insurance<\/strong> works, the mandatory coverages and the options available allows you to <strong>choose coverage that is adapted to your region<\/strong>, your type of vehicle and your budget, while avoiding unpleasant surprises in the event of an accident.  <\/p>\n\n<h2 class=\"wp-block-heading\">Quebec&#8217;s Automobile Insurance Act<\/h2>\n\n<p class=\"wp-block-paragraph\">Here is a presentation of some definitions related to car insurance in Quebec that apply to online car insurance as well.<\/p>\n\n<h3 class=\"wp-block-heading\">Motor vehicle:<\/h3>\n\n<p class=\"wp-block-paragraph\">Car, taxi, bus, <a href=\"https:\/\/www.assur360.ca\/en\/antique-vehicle-insurance-quote\/\">vintage vehicle<\/a>, moped, motorcycle, motorcycle, quad, moped, snowplough, snowmobile, farm tractor, ATV, truck and equipment vehicle (loader etc.)<\/p>\n\n<h3 class=\"wp-block-heading\">Public road:<\/h3>\n\n<p class=\"wp-block-paragraph\">All numbered roads as well as logging roads and roads leading to outfitters.<br \/>Electric Car Insurance Quote<br \/>Automobile Accident \u2013 Automobile Accident<br \/>\u2013 caused by loading (in the vehicle or on the vehicle) \u2013 caused by a trailer attached to the vehicle.<\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"\/\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2017\/04\/assurance-auto-en-ligne.jpg\" alt=\"Auto Insurance Broker Quebec\" class=\"wp-image-2834\" title=\"Automotive Quote Quebec\"  sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n\n<p class=\"wp-block-paragraph\">Example:<br \/>A CAR SURFING CASE ACCEPTED BY THE T.A.Q. (January 2025)<\/p>\n\n<p class=\"wp-block-paragraph\">The T.A.Q. reverses a decision of the SAAQ refusing a claim by the mother of a young girl who died while engaging in car surfing. This refusal alleged that the activity in which she was engaged at the time of the accident was comparable to car surfing, the auditor was of the opinion that it was not an automobile accident within the meaning of the Act since, in this case, the automobile had been diverted from its usual meaning.<\/p>\n\n<p class=\"wp-block-paragraph\">On the evening of July 27, 2023, a few young girls were driving <a href=\"https:\/\/www.assur360.ca\/en\/saving-on-car-insurance\/\">on the public road<\/a>. One of them, sitting on the trunk, was thrown to the ground when the driver accelerated by turning right on a street corner. She suffered a violent traumatic brain injury, never regained consciousness and died four days later. The driver pleaded guilty to dangerous driving causing death under section 249(4) of the Criminal Code.   <\/p>\n\n<h4 class=\"wp-block-heading\">The T.A.Q. allowed the appeal and recognized the appellant&#8217;s right to<br \/>the indemnity. Here are his reasons: <\/h4>\n\n<p class=\"wp-block-paragraph\">The Tribunal must therefore determine whether the event that caused the<br \/>an injury to G.D. is an automobile accident that gives rise to a right<br \/>for the benefit of the Act. According to the Soci\u00e9t\u00e9, the damage, in order to be covered by the Act, must have been caused by the use of an automobile. <\/p>\n\n<p class=\"wp-block-paragraph\">In this case, the Company submits that by using the automobile as a toy, there would have been a misuse of the automobile which would have caused it to lose its classification as an automobile.<\/p>\n\n<p class=\"wp-block-paragraph\">In addition, it submits that if the intention in the use of a car is to obtain thrills, it is no longer a normal use of a vehicle.<\/p>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"que-couvre-la-saaq-exactement\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What exactly does the SAAQ cover?<\/summary>\n<p class=\"wp-block-paragraph\">The SAAQ compensates <strong>bodily injuries<\/strong> (driver, passengers, pedestrians), <strong>regardless of who is at fault<\/strong> for the accident. It <strong>does not cover<\/strong> property damage to vehicles. <\/p>\n<\/details>\n\n\n\n<details id=\"comment-choisir-la-bonne-couverture-dassurance-auto-au-quebe\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Comment choisir la bonne couverture d&#x27;assurance auto au Qu\u00e9bec ?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Assess the value of your vehicle, your budget and your needs: comprehensive coverage protects better but costs more, while civil liability alone is the legal minimum. Consult <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-automobile\">the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> to understand the coverages. <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\">Compare quotes<\/a> to make an informed choice. <\/p>\n<\/details>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/assurance-auto\/\",\"@id\":\"https:\/\/www.assur360.ca\/assurance-auto\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/assurance-auto\/#que-couvre-la-saaq-exactement\",\"name\":\"Que couvre la SAAQ exactement ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"&lt;p>La SAAQ indemnise les &lt;strong>blessures corporelles&lt;\/strong> (conducteur, passagers, pi\u00e9tons), &lt;strong>peu importe le responsable&lt;\/strong> de l\u2019accident. Elle &lt;strong>ne couvre pas&lt;\/strong> les dommages mat\u00e9riels aux v\u00e9hicules.&lt;\/p>\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Automobile du Qu\u00e9bec: Protect your vehicle anywhere in the province Auto insurance in Quebec is essential to legally drive and protect your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14248,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"Insure your vehicle in Quebec: information on car insurance, regulations and coverage in the event of an accident. 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