Auto Insurance

Whenever you get behind the wheel of a car, you are capable of causing damage to other people’s property, and injuring or killing yourself, other drivers, passengers and pedestrians. Because most people don’t have the money to pay for the losses they might cause while driving, governments throughout the developed world require drivers to carry a certain amount of insurance “Liability” to cover any losses (property damage, injury, death) they might cause others to experience. Some governments, including those of provinces and territories in Canada, also require drivers to carry coverage for their own medical expenses and loss of income resulting from driving-related injuries “Accident Benefits/Bodily Injury or AB/BI”.

There is other insurance that you can purchase voluntarily for your car, including coverage for damage to your car “Collision” and protection against theft, vandalism and other perils “Comprehensive”.

Auto insurance in Quebec is provided by both a government insurer and private insurers. The government insures against injuries to people, and private insurers cover you for property damage. In the case of bodily injury, Quebec has a pure no fault system, which means there is no right to sue the at-fault driver for pain and suffering or additional medical and economic expenses.

For property damage, there are many private insurers selling auto insurance in Quebec. They compete for customers by offering a different mix of price, coverage and service. Everyone who wants to drive a car in Quebec must by law buy a minimum amount of third-party liability insurance with a private insurer and has the option to buy more to suit their needs. Liability covers you for property damage inside Quebec and personal injury and property damage outside Quebec.

Delsan Group is there to service your needs in Commercial & Personal lines insurance.

For more information, contact the Delsan Group.