You have had the misfortune of being in a car accident but you do not know what you should do next. If there are cell phones around someone should call the police. You need help and are hoping that car insurance Quebec will help. The important thing to do now is to get the details of the accident.
In a case where there are no injuries it would be best to move the car out of the way of traffic. If this is impossible then placing hazard lights, cones, triangles or flares in the vicinity of is necessary. Then you start noting the details of how the accident happened.
Note very carefully how this accident happened. It is very important to know the time that it happened and the date and location. Road conditions might also be relevant in regards to the speed being traveled by 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.
The private insurers provide this portion however they must follow government regulations and are also supervised by them. A 2 tier system is what you find in Quebec. The government provides for coverage for anyone who was injured and the private sector provides the property damage portion.
Following an accident you may discover that a person was injured. This is a no fault insurance so that person cannot sue for any pain or suffering. This person cannot sue even if there were any added medical costs or economic problems. This is a very persuasive reason for people to purchase the maximum insurance they can pay for.
Living in Quebec you find that you have to buy third party liability insurance. There is a required minimum and the insurers compete by offering different coverage options with different prices and services. This insurance is the one that will cover you for property damage within the province. If you are outside the province then you are covered for personal injury and property damage.
There are carriers that carry dangerous materials on our roads. Their liability insurance cost quite a bit more than regular vehicles. It is the private agents that will provide this coverage to the carrier. You thought that the off-road vehicle you bought was covered by your present house insurance. Unfortunately that is not so. As a matter of fact the coverage for off-road vehicles is very high.
Usually people think that insurance is too expensive. But when misfortune strikes and you have an accident you breath a sigh of relief that you have coverage. Living in Quebec there is no choice because the government collects the money for a part of this insurance.
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