Submitted by: Jack Bernard

Buy car insurance

Quebec auto insurance is mandatory for every owner of a motor vehicle. Here are several things to take into consideration.

Who is insured?

Auto insurance covers a vehicle and those who lead. It generally refers to the main user of the vehicle as the primary driver and the other as occasional drivers.

To determine the premium, the insurer will consider the experience of loss and the main driver of the other drivers.

Your son drove your car? Must tell your insurer to avoid complications at the time of a claim.

Who can sell you insurance?

An insurance broker: the broker offers products from companies with which it has agreements;

An insurance agent: the agent works for an insurance company in particular.

Before deciding to deal with one or the other, it is recommended to take into account the price as well as the products and quality of service.

The private scheme run by insurers covers liability and property.

They roll at home or abroad, all Quebecers are protected by the public plan that covers injuries sustained in an automobile accident. This plan is administered by the insurance company automobile of Qu bec (SAAQ).

In Quebec, the auto insurance is a standard contract approved by the authority of markets financiers (AMF). Word for word from your insurance policy and that of your neighbor police are identical and only differ protections and amounts of insurance chosen.

Protections

Liability

(This is Section A of the insurance contract)

All owners of an automobile du Qu bec are required to carry liability insurance of at least $ 50,000. This is what used to be called “be assured of an edge.” This insurance provides protection covering:

Damages resulting from a collision when the insured is not at fault;

Damage and injury when the accident occurs outside of Quebec;

Damage to others for which the insured is liable.

Consumers often choose an amount of liability insurance of one million dollars.

Protections for damage to the insured vehicle

(The list can be found in Section B of the contract of insurance)

Also known as the word “deductible”, the deductible is the amount you agree to accept disaster.

Franchise the most common

Collision or Upset: 250$ to 1000$;

Accident without collision or upset (fire, theft, vandalism, glass breakage): 100$ to 250$;

All risks (this includes warranty protection earlier): 250$ or 500$.

Choose the amount of your deductible depending on your financial ability to pay this amount in the event of a disaster.

They can take different forms:

“Collision or Upset” covers damage to the vehicle in case of collision or rollover. It is this protection that will cover damages if you are at fault.

“Excluding collision or upset” covers including the theft of your vehicle, broken windshield or damage caused by fire, vandalism, wind, hail and water. This insurance also covers damages resulting from a collision with people or animals.

“All risks” include all damages mentioned in the previous two types of protection.

“Specified Perils” relatively limited, this covers some specific risks.

What is a franchise?

Also known as the word “deductible”, the deductible is the amount you agree to accept disaster. Franchises most common

Collision or Upset: 250$ to 1000$;

Accident without collision or upset (fire, theft, vandalism, glass breakage): 100$ to 250$;

All risks (this includes warranty protection earlier): 250$ or 500$.

Choose the amount of your deductible depending on your financial ability to pay this amount in the event of a disaster.

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