Hybrid — public no-fault bodily injury (SAAQ) + private property damage
Auto insurance in Quebec
What's required, what's optional, and how claims work — with every figure sourced and dated.
The system
Quebec has a distinct hybrid regime under the civil-code / AMF framework. Bodily injury is public no-fault through the SAAQ — you're compensated for injuries regardless of fault and generally can't sue for them. Property damage is private insurance with a mandatory liability minimum (commonly $50,000).
What's mandatory
The statutory minimum third-party liability in Quebec is $50,000. Bodily injury: public no-fault compensation via SAAQ (not private AB). Property damage: private insurance with mandatory liability minimum. Civil-code / AMF regime.
What's optional (and worth understanding)
Collision, comprehensive, and higher property-damage liability are available through private insurers (the Q.P.F. No. 1 form).
How claims and disputes work
Property-damage complaints run through the insurer then the AMF (which handles complaints) and conciliation; bodily-injury (SAAQ) matters go through SAAQ review and the Administrative Tribunal of Québec.
Out-of-country health
Régie de l'assurance maladie du Québec (RAMQ) reimburses limited amounts for emergency care outside Quebec/Canada. Travel medical essential. See the Travel & Snowbird tool to size the gap.
Quebec is a separate legal system (civil code, distinct prescription periods, French-first). Treat it as its own jurisdiction, not an English-Canada variant.
Quebec at a glance — sourced facts
- Auto system
- Hybrid — public no-fault bodily injury (SAAQ) + private property damage
- Source · Verified July 2026
Figures verified July 2026 against the sources shown. Auto rules change — confirm current requirements with your regulator or broker before relying on them. Education, not advice; no coverage is sold here.