Civil Liability

Civil liability coverage is mandatory and is included in all car insurance policies.

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Civil liability coverage protects you against:

  • Damage to your vehicle caused by a collision in Quebec for which you are not at fault
  • Property or bodily damage caused by an accident outside Quebec for which you are at fault
  • Damage to someone else’s property for which you are at fault

Mandatory civil liability coverage is also called Chapter A.

Some examples that will be covered by Civil Liability coverag:

  • Driving abroad
    While on vacation in Miami, you lose control of your vehicle, hit a pedestrian and finally come to a stop in someone’s yard. The pedestrian sues you for his injuries and the homeowner sues you for the damage to her fence. 
  • Winter driving
    You accidentally hit a guardrail after sliding on a patch of black ice and the City bills you to have it replaced. 
  • Fire service charges
    Your car catches fire while you’re driving on the highway and firefighters come put it out. You get a bill from the fire department. 
  • Collisions  
    You’re stopped at a red light behind a car. Another vehicle driving up from behind can’t stop in time and rear-ends you, causing you to collide with the vehicle in front. Your Civil Liability coverage protects you.

Civil liability coverage is mandatory and is included in all car insurance policies.

Drive with peace of mind, with the right civil liability coverage amount

The Automobile Insurance Act requires that the owner of any new or used vehicle driven in Quebec have at least $50,000 in civil liability coverage. However, to ensure you are properly covered, we recommend getting at least $1,000,000 in civil liability coverage.

If you drive outside Quebec (in the rest of Canada or in the United States), we recommend increasing this amount to $2 million to protect against lawsuits that are more common and can be quite costly.

Increasing the civil liability coverage amount may be less expensive than you think. Contact an agent for advice about determining the right amount for you.

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Our auto insurance is available only to Quebec residents.