You were involved in a car accident and are not quite sure what the next step is. You have a cell phone and have called the police to the site. You are hopeful that your car insurance Quebec will provide the necessary coverage that you need. It is important for you to collect all the information you can.
You are grateful that no one was hurt. With no injuries the cars can be moved to a safer location. I this is not possible because of the severity of the impact then triangles, cones, flares or hazard lights should be placed around the accident site to alert traffic of the mishap. It is important now to collect all the details that you can.
The first bit of information that is important is how it happened. The time, date and location are details that are important. Road conditions are important to note in relation to the speed of the cars.
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.
In Quebec when you are in an accident you are responsible to protect your vehicle from any further damage. By purchasing all perils or collision insurance coverage you will be reimbursed for the damage your vehicle sustained in the accident. The Quebec government is the owner and the operator of a portion of the vehicle insurance that you must have.
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.
Third party liability insurance is the additional insurance that the government does not provide. There is a minimum established by the government that you must purchase. Private agents can only compete by enticing you with different options, services and prices. With this insurance the coverage is for any property damage in the province. It will also provide for personal injury or property damaging when you are out of the province.
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.
Faites votre Assurance Auto et Soumission Assurance Auto en ligne chez la compagnie. Un processus simple, pratique et scuritaire. Profitez de nombreux avantages avec nos partenaires, comme CAA-Qubec, Aroplan et Duroflex aujourd’hui!