Accident Victim

Amount of Compensation

The Société pays compensation up to $10,000 for property damage to a vehicle.

All compensation payable for property damage is subject to a $500 deductible set by regulation. For damage caused to a vehicle, the deductible will be the higher of:

• $500 for a vehicle valued under $5,000 on the day when the accident occurred;
• 10% of the worth of a vehicle valued $5,010 or more on the day of the accident.

The market value of the vehicle is determined using the "Guide d'évaluation des automobiles ou camions légers", published by Hebdo Mag inc.

The deductible is $500 for damage to property other than a vehicle.

No compensation is payable if:

• your insurance covers property damage you sustained;
• you were driving your vehicle while your licence was under suspension or was not valid;
• you did not hold liability insurance for property damage to another party in the event of an accident;
• your vehicle's registration was not valid or licensing fees had not been paid up to date;
• the owner of the vehicle you were driving is:
  • an insurer;
  • a legal person (company or business);
  • partnership;
  • a government agency or one of its agents;
• property damage was caused by a motor vehicle taking part in a race, competition or show on a track or area closed to other traffic;
• the claim covers objects carried in the vehicle that was damaged;
• you are resident of a jurisdiction outside Québec in Canada or in the USA which does not grant Quebecers rights equivalent in the same situation to those enjoyed in Québec.

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