Off-Road Vehicle Insurance: Protection types.
In Québec, insurance for off-road vehicles is identical to car insurance, and consists of two parts. The first, which is legally required, is civil liability insurance of at least $500,000 (in fact, we recommend taking out coverage of at least $1 million). This part of the insurance contract covers injury to others who are not covered by the Société d’Assurance Automobile du Québec.
The second part is optional and covers damage to your vehicle as well as any personal injuries that you may incur. The agents at J. Gérard Fortin will be happy to answer your questions and advise you on the best protection for your needs.