Call 911 – Call the police immediately from the location of the collision in order to produce an accident report. Consult a doctor without delay; list any symptoms relating to the accident on the medical report, and make sure that the doctor sends the report to the Société de l’assurance automobile du Québec (SAAQ).
What happens after a car accident in Quebec?
You must provide physical assistance if you can, or notify emergency services. You must also contact the police, even if the injuries appear minor. They will write up an accident report, which will be forwarded to the Société de l’assurance automobile du Québec (Quebec automobile insurance board or SAAQ).
Who pays for car accident in Quebec?
Victims are compensated by a public agency, the Société de l’assurance automobile du Québec, rather than a private insurance company. Under this system, neither individuals nor companies can sue the person responsible for an accident.
How long do you have to report an accident in Quebec?
You have a maximum of 3 years as of the date of the accident, the onset of injury or the death of an accident victim to file a compensation claim with the SAAQ.
What are the 4 steps to follow after an accident?
What to do after a car accident: a step-by-step guide
- Check yourself for injuries. If you’re injured, call 911 or ask someone else to do so.
- Check on the well-being of your passengers.
- Get to safety.
- Call 911.
- Wait for help.
- Exchange information.
- Document the accident.
- Notify your insurer and start the claims process.
Will my insurance go up if I am not at fault Quebec?
If you are not at fault, although it may differ in each province, in general, your premiums should not go up as a result of your claim.
Do you pay deductible if not at fault Quebec?
You don’t have to pay the deductible if the accident isn’t your fault. You’ll be compensated under your civil liability insurance (Section A of your policy).
What compensation can I receive after a car accident?
You can receive economic damages for any type of monetary losses that you suffered as a result of your vehicle accident. These types of losses can include medical bills, vehicle damage, lost wages, and other out-of-pocket expenses.
Can you sue in Quebec for a car accident?
Québec residents who are not responsible for the accident can sue the party responsible for the accident, provided such recourse is possible under the laws of the jurisdiction in which the accident occurred.
What is the main purpose of Quebec no fault car insurance?
A no-fault insurance plan
This means that Quebecers who are involved in a traffic accident in Québec are covered by the plan, regardless of whether or not they are responsible for the accident.
Do I need to report a minor car accident to the police?
Even if the accident may seem minor, you should either swap details with the other parties involved at the scene or report the accident to the police. If you don’t, it could be seen that you’ve failed to stop or failed to report an accident, both of which can affect your driving record, or even carry a prison sentence.
How do I report a car accident in Quebec?
Call 911 – Call the police immediately from the location of the collision in order to produce an accident report. Consult a doctor without delay; list any symptoms relating to the accident on the medical report, and make sure that the doctor sends the report to the Société de l’assurance automobile du Québec (SAAQ).
How quickly must accidents be reported and recorded?
The report must be made within 15 days of the accident.
What is the procedure after car accident?
File a Police FIR
To avoid any legal complications, inform the police about the car accident as soon as possible. You will be also required to file a First Information Report (FIR) in case of a third party car insurance claim settlement process.
What to do after a car accident not your fault?
If the accident wasn’t your fault, you can use a credit hire company instead of making a claim through your insurance company. A credit hire company pays for the cost of you hiring a replacement vehicle while yours is being fixed, and pays for the cost of repairs.
Whose insurance do I call after an accident?
You should make a claim against the other driver and allow the insurer to decide who is responsible for the accident. If they say you are responsible you’ll have to pay for repairs to your own vehicle.
How long does an accident stay on your insurance in Quebec?
As discussed above, an at-fault car accident may stay on your driver abstract for at least 6 years and up to 10 years. But it’s only one factor. Insurance premiums are based on your risk factor as a whole.
Should I let my insurance know if it wasn’t my fault?
Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault.
Why do insurance companies tell you not to admit fault?
Insurance. You should not admit fault at the scene or following the incident until speaking with a car accident attorney. If you admit fault, insurance companies have legal responsibilities to cover damages. Your own insurance will have to pay for the damages to your and the other party’s property.
When did no fault insurance start in Quebec?
When Quebec in 1977 embraced comprehensive auto no-fault and abandoned tort law for auto accidents, some people were worse off as a result. But, on balance, the trade-offs then made seemed quite fair, at least to the Quebec government that made the decision.
How can I avoid paying my car insurance deductible?
How to Avoid Paying Car Insurance Deductibles. You can avoid paying your car insurance deductible by asking your mechanic to waive the deductible in return for your business. Additionally, your insurance company may waive your deductible for comprehensive insurance if it is for a glass repair claim.