Why take out car insurance?
The Automobile Insurance Act of Québec makes a clear distinction between the rules for victims of bodily injury and those for victims of property damage.
Under Québec’s no-fault system, lawsuits are not permitted in the event of motor vehicle accidents that cause bodily injury, regardless of which party is to blame. Victims are compensated through the provincial auto insurance, the Société d’assurance automobile du Québec.
The Automobile Insurance Act of Québec stipulates that all motor vehicle owners must have liability insurance.
If you drive a vehicle and are uninsured, you risk receiving a hefty fine of up to $2,800. What’s more, if you are uninsured and are responsible for causing an accident, you may have to pay for the damages sustained by others.