Car Insurance Quebec Is Not A Choice
You were involved in a car accident and are not quite sure what the next step is. You have a cell phone and have called the police to the site. You are hopeful that your car insurance Quebec will provide the necessary coverage that you need. It is important for you to collect all the information you can.
This accident did not cause any injuries. In this case it is a good idea to move the cars if it is possible. If you cannot move the cars then the cones, triangles, flares, or hazard lights are to be placed in the vicinity to allow traffic to avoid any mishaps. This is the time that the details are noted.
Note very carefully how this accident happened. It is very important to know the time that it happened and the date and location. Road conditions might also be relevant in regards to the speed being traveled by the cars.
The name and all other pertinent information regarding the owner as well as the information on the car registration is very important to note. If there were passengers or witnesses their information is needed too. A sketch, if one can be supplied, would be very helpful. If you happen to have a camera available that would be even better to document all the details.
It is your responsibility, in Quebec, to protect your car from damage. The coverage available reimburses the cost of repairing your vehicle after an accident. This coverage is called the all perils or the collision insurance. This is not the portion that the government owns or operates.
The private insurers provide this portion however they must follow government regulations and are also supervised by them. A 2 tier system is what you find in Quebec. The government provides for coverage for anyone who was injured and the private sector provides the property damage portion.
Following an accident you may discover that a person was injured. This is a no fault insurance so that person cannot sue for any pain or suffering. This person cannot sue even if there were any added medical costs or economic problems. This is a very persuasive reason for people to purchase the maximum insurance they can pay for.
In Quebec you must purchase third party liability coverage. You are required to purchase a minimum and the private insurers compete for your business by offering a variety of options, prices and services. This liability insurance covers you for any property damage that occurs in the province. When away from Quebec it will provide coverage for any personal injury and any property damage that occurs.
Carriers transporting dangerous materials have a higher cost of liability insurance than regular vehicles. For this type of coverage you would approach the private companies. You may have bought an off-road vehicle and thought that your home insurance would provide the coverage you need. That is not the case. The third party liability for your off-road vehicle is extremely high so you may reconsider.
Usually people think that insurance is too expensive. But when misfortune strikes and you have an accident you breath a sigh of relief that you have coverage. Living in Quebec there is no choice because the government collects the money for a part of this insurance.
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