In Car Insurance in Montreal Quebec is mandatory and follows a distinct system compared to other parts of Canada. Here’s a quick rundown of how it works:
1. Basic Coverage: Car insurance in Quebec is provided by the Qubit Insurance. This covers bodily injury resulting from a car accident, regardless of who is at fault. It also includes coverage for pedestrians and cyclists.
2. Additional Coverage: For property damage, such as damage to your car or someone else's property, you'll need to purchase additional insurance through a private insurer. This is where you get comprehensive and collision coverage. Private insurers also offer other optional coverages, like roadside assistance or rental car coverage.
3. No-Fault System: Quebec operates under a no-fault insurance system, meaning that your insurance will cover your injuries and damages regardless of who caused the accident. However, if you want to claim for property damage or if you’re involved in an accident with a non-resident, you’ll need private insurance.
4. Insurance Companies: Many well-known insurance companies operate in Quebec, including Intact Insurance, Desjardins, and Aviva. It’s a good idea to shop around and compare quotes from different insurers to find the best coverage for your needs.
5. Costs: Insurance rates can vary widely based on factors such as your driving record, the type of car you drive, and your personal history. Montreal’s urban environment and traffic patterns can also influence insurance premiums.
6. Legal Requirements: Make sure your policy meets Quebec’s minimum coverage requirements and that you have proof of insurance in your vehicle at all times.
If you’re new to Montreal or need more details, reaching out to local insurance brokers in Quebec can be a good way to get tailored advice and ensure you have the right coverage for your situation.