subject: Car Insurance Quebec Is Not A Choice [print this page] You have had an automobile accident and you are not sure what to do. Call the police first. Your car insurance Quebec will be the insurance that will help you in this situation. The details of your accident are important to note.
In a case where there are no injuries it would be best to move the car out of the way of traffic. If this is impossible then placing hazard lights, cones, triangles or flares in the vicinity of is necessary. Then you start noting the details of how the accident happened.
The important items to put down on paper are the way the accident happened. You need to know the time it happened, the date and the location. Noting the speed of the vehicles and the road conditions that would help too.
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.
Quebec insurance states that when you have an accident, you have the responsibility of protecting you own vehicle from further damage. Hopefully, you have purchased the collision or the all perils coverage, which will repay for the damage. In Quebec the government is owner and operator of part of the insurance plan.
In this province, the private insurer who provides car insurance is regulated by provincial laws and also supervised by the government. This is a two tier system. The government provides for injury to people and the private sector coverage is for property damage.
After the accident, if there has been injury to a person, since the system is no fault, the person has no right to sue for pain and suffering. Neither is this person allowed to sue for added medical expenses or for economic issues. This encourages people to have the best coverage that they can afford.
Living in Quebec you find that you have to buy third party liability insurance. There is a required minimum and the insurers compete by offering different coverage options with different prices and services. This insurance is the one that will cover you for property damage within the province. If you are outside the province then you are covered for personal injury and property damage.
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.
Insurance is something that we all feel is too costly. However, when something does happen we are grateful that we did get insurance. In Quebec there are no options since the government controls one potion of it.
by: Adriana Noton
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