Société de l'assurance automobile du Québec
When a person dies as a result of a traffic accident, certain benefits may be payable to his or her family or succession. Depending on the situation, the Société de l'assurance automobile du Québec may pay:
NoteThe deceased person may have been involved in the accident as the driver or a passenger of the vehicle (including a motorcycle), as a pedestrian or as a cyclist. As a rule, coverage applies regardless whether the person is responsible for the accident or not.
DependantAnyone who is a dependant of the victim, meaning:
Spouse A person who:
A resident may cease to be considered to be a resident under certain conditions, including, for example, if he or she leaves the province for over 12 consecutive months or maintains a home outside Québec or settles in a place other than Québec.
The spouse and dependants (see definitions) as well as the mother and father of a person who died as a result of a traffic accident that occurred:
RestrictionsNo benefit is paid in the following cases:
In these cases, the victim’s family members are compensated by personal insurance from a private company (their own or the victim’s company, depending on the situation).
The following amounts are payable for accidents that occurred between January 1 and December 31, 2017.Death BenefitsIf the victim was of full age (adult) and:
If the victim was a minor, a lump-sum benefit of $53,386 is paid:
Lump-Sum Benefit for Diminished Quality of Life A lump-sum benefit can be paid to the succession to compensate for the victim’s diminished quality of life during the period preceding his or her death, if it occurred more than 24 hours after the accident. The benefit amount depends on the severity of the injuries. Reimbursement of ExpensesAn availability allowance can be paid to an individual who, at the physicians’ request, remained in hospital with the victim prior to his or her death. The amount of the allowance is:
That individual can also be reimbursed for his travel and living expenses. A person entitled to a lump-sum death benefit can be reimbursed for the cost of psychological counselling (up to 15 hours of treatment with a maximum of $86.60 per hour) following the death. Lump-Sum Benefit for Funeral Expenses A lump-sum benefit of $5,178 can be paid to the victim’s succession to cover funeral expenses. Benefit Payment TermsBenefits are tax-free and unseizable. They are paid by cheque or direct deposit, on request. Annual IndexingAll SAAQ benefits are indexed annually.
Automobile Insurance Act , R.S.Q., chapter A-25
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