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.
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.
Car registration information is shared with all the pertinent details such as names, addresses, and any other personal information. The names of passengers, if any, and witnesses would be very important information. If someone can supply a sketch of what happened that would help a great deal. If a camera is available then this would help in documenting 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.
In Quebec you must purchase third party liability coverage. You are required to purchase a minimum and the private insurers compete for your business by offering a variety of options, prices and services. This liability insurance covers you for any property damage that occurs in the province. When away from Quebec it will provide coverage for any personal injury and any property damage that occurs.
Those carriers that transport dangerous materials will need higher liability insurance than your regular car owner. Private insurers will provide coverage for this type of vehicle. Unfortunately the off-road vehicle you purchased and thought would be covered by your house insurance is not. You may have second thoughts because the policies for this type of vehicle are 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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