A decision that can have serious consequences

If you own a car, motorcycle, ATV, snowmobile or any other motor vehicle, you must hold a valid proof of insurance for this vehicle. And when you drive one of those, whether it’s yours or not, you must have proof of insurance that can be presented upon demand. ASSURANCES GROUPE VÉZINA explains why!

What does the law say?

The Quebec Automobile Insurance Act requires all motor vehicle owners residing in Quebec to hold civil liability insurance to cover bodily injury or property damage that may be caused to another person. This coverage must provide a minimum coverage of $50,000 or more, depending on the type of vehicle.

The Highway Safety Code stipulates that you must have proof of insurance on you when you drive a motor vehicle or have one in your care or control. Proof of insurance must be presented in the event of a road violation or an accident causing property damage to a third party.

What happens in the event of an accident if you don’t have proof of insurance?

You could be required to send proof of insurance to the Société de l’assurance automobile du Québec (SAAQ) to be authorized to put your vehicle back on the road.

Therefore, we recommend that you ask your broker for one copy of the insurance certificate for each person driving your vehicle, so they can keep it with their driving license.

What happens in the event of an accident if you’re not insured?

You can be fined several hundred dollars, depending on the type of vehicle you’re driving. Furthermore, if you’re involved in an accident that causes material damage worth over $500 to a third party:

• You automatically lose your driver’s licence or the right to obtain one
• You will immediately be forbidden from putting your vehicle back on the road
• You will have to pay for damages caused to a third party

Lastly, to have your suspended licence reinstated and put your vehicle back on the road, you will have to provide proof that you reimbursed the damages and taken out civil liability insurance.

As you can see, it’s worth forking out a few dollars for civil liability insurance, and to make sure you always have proof of insurance when you drive!