A public automobile injury insurance plan
Québec’s public automobile insurance plan provides protection for Quebecers injured or killed in a traffic accident. SAAQ describes coverage for injuries sustained anywhere in the world, regardless of responsibility for the accident, subject to the plan’s rules.
Why residence and accident location matter
Selecting Quebec as the accident location does not establish a person’s entitlement. Residence, the nature of the accident and the applicable insurance arrangements need to be considered. Start with SAAQ’s guidance to identify the appropriate process.
Use the calculator to prepare your information
You can record missed income, expenses, reimbursements and the practical effects of your injury. The calculator provides a financial summary rather than applying the Ontario scenario or claiming to calculate a SAAQ entitlement.
Keep supporting records
- Accident information and medical records.
- Evidence of work interruption and income.
- Receipts for expenses and records of reimbursements.
Official source
SAAQ: Québec’s public automobile insurance plan
Reviewed 18 September 2026.
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