Société de l'assurance automobile du Québec
A person who is injured in a traffic accident may receive compensation for bodily injuries and be reimbursed for certain expenses incurred as a result of the accident. Depending on the situation, the Société de l'assurance automobile du Québec may pay him or her:
The victim may also be reimbursed for certain expenses incurred as a result of the accident if they are not already covered by a social security plan. These expenses include those related to:
In addition, an availability allowance may be paid to anyone who accompanies an accident victim who requires such assistance due to his or her age or physical or psychological condition while receiving care or undergoing an examination required by the SAAQ. Change of AddressAnyone who is receiving compensation for bodily injuries sustained in a traffic accident must notify the SAAQ of a change of address by the prescribed deadline.
An individual may cease to be considered to be a resident under certain conditions, in particular if he or she leaves the province for over 12 consecutive months, maintains a home outside Québec or settles in a place other than Québec.
ClienteleAnyone injured in a traffic accident that occurred:
As a rule, the victim may be eligible regardless whether or not he or she was responsible for the accident and whether or not he or she was involved in the accident as the driver or a passenger of the vehicle (including a motorcycle), as a pedestrian or as a cyclist. An indemnity may also be paid to a person who accompanies the accident victim when he or she receives care or undergoes an examination required by the SAAQ. Eligibility Requirements for the Indemnity for Care ExpensesTo qualify for an indemnity for care expenses, the accident victim must meet the following requirements at the time of the accident:
Requirements for the Reimbursement of Care Expenses for a Child or a Disabled PersonTo qualify for the reimbursement of care expenses, the accident victim must:
In addition, if the accident victim has a spouse, the spouse must, due to an illness, a disability or an absence for the purposes of work or schooling, be unable to care for the child under 16 years of age or the person with a disability of whom he or she was taking care prior to the accident. ExclusionsThe victim is not entitled to any compensation in the following cases:
In these cases, the victim is covered by personal insurance from a private company.
The amounts of the various indemnities for accidents that occurred between January 1 and December 31, 2017 are shown below.Income replacement indemnityThe income replacement indemnity is equal to 90% of the victim’s net income, calculated on annual gross earnings up to a maximum of $72,500. The indemnity is paid in the form of a pension every 14 days, starting on the 8th day following the accident. (The first 7 days are not covered.) The indemnity is reduced by:
The indemnity stops being paid at the time of the individual’s 68th birthday. Lump-Sum Indemnity for Students The amount of the indemnity is:
The indemnity is paid in a single instalment at the end of the missed school year or term. It stops being paid at the anticipated end date of the studies in progress at the time of the accident or at the end of the school year during which the victim turns 16, as applicable. Indemnity for Diminished Quality of LifeThe amount of the indemnity for diminished quality of life depends on the accident victim’s medical condition, which is evaluated on the basis of the information in the victim’s file or an evaluation by a health professional. The maximum amount is $242,311. In most cases, the indemnity is paid in a single instalment. However, in certain cases a preliminary instalment may be paid before the final evaluation is completed. Indemnity for Care ExpensesThe maximum weekly amount of the indemnity for care expenses is:
Reimbursement for Measures to Promote RehabilitationThe SAAQ reimburses expenses related to measures that it deems essential to the rehabilitation of the accident victim, in particular those related to:
Reimbursement of ExpensesThe SAAQ reimburses the following expenses:
Contact lenses: $110 maximum
Maximum, per consultation or treatment, of:
Other expenses can be reimbursed on presentation of bills or receipts.
Payment TermsAll indemnities and reimbursements are:
Indemnities and reimbursements are paid by cheque or, on request, by direct deposit. Medication costs can also be reimbursed automatically at the pharmacy.
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