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Frequently Asked Questions on Auto Insurance

By Law, What Coverages Must I Have?

To drive a vehicle in Québec, you must have the following minimum insurance coverage:

Civil liability

This coverage protects you if you’re involved in an accident and you damage someone’s property, or if you accidentally cause an injury or fatality. According to provincial law, you must have at least $50,000 in civil liability coverage for a private passenger vehicle and at least $500,000 for a recreational vehicle such as a snowmobile or a VTT, but most people choose a limit of $1,000,000 or $2,000,000.

Other coverage is optional, but is often required by creditors or lessors if your vehicle is financed or leased.

To find out more, read Choosing the Right Kind of Auto Insurance.

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