Chapter 5-1: Automobile Insurance

The Quebec driving test includes a section on Automobile Insurance to ensure new drivers understand legal requirements.

Quebec Driving Test -Chapter 5-1: Automobile Insurance

1 / 25

Since what year has Québec's public automobile insurance plan been in effect?

1968

1998

1988

1978

2 / 25

How long do you have to apply for a review of an SAAQ decision after being notified?

30 days

90 days

1 year

60 days

3 / 25

What should a Quebecer check with their private insurer before travelling in the United States?

If their liability insurance is sufficient for potential damages.

If their health insurance is valid.

If they need a special international driving permit.

If the SAAQ's coverage is accepted there.

4 / 25

If a Quebecer is not responsible for an accident outside Québec, what right do they retain?

The right to sue for compensation beyond what the SAAQ pays, if local law allows.

The right to refuse SAAQ compensation.

The right to have their vehicle repaired for free by the SAAQ.

The right to have the at-fault party prosecuted in Québec.

5 / 25

Who compensates Quebecers for bodily injury in a road accident, regardless of fault?

Private insurers

The Société de l’assurance automobile du Québec (SAAQ)

The civil courts

The Commission des normes, de l’équité, de la santé et de la sécurité du travail (CNESST)

6 / 25

If the CNESST turns down your claim for an on-the-job accident, what can you do?

You have no further recourse for compensation.

Sue your employer in civil court.

File a claim with the SAAQ, including the CNESST's rejection letter.

Appeal the decision directly to the Administrative Tribunal of Québec.

7 / 25

What is the minimum amount of third-party liability insurance for property damage required for vehicle owners in Québec?

$100,000

$50,000

$25,000

$1,000,000

8 / 25

To apply for a review of an SAAQ decision, what must you submit?

A duly completed Application for Review form.

A verbal request over the phone.

An email to the SAAQ president.

A lawsuit filed in civil court.

9 / 25

Under what condition is a non-resident of Québec covered by the public plan while travelling in a vehicle registered in Québec?

Only if they have a special travel permit.

Only if they are not at fault.

Regardless of whether they are the driver, passenger, or owner.

Only if they own the vehicle.

10 / 25

What is the purpose of indexing the gross income amount used for the income replacement indemnity?

To increase the SAAQ's revenue.

To simplify the calculation process.

To ensure compensated victims maintain their purchasing power.

To penalize at-fault drivers.

11 / 25

If a Quebecer is responsible for an accident outside Québec, what might they face?

Prosecution only under Québec's Highway Safety Code.

Automatic compensation from the SAAQ for all damages.

A lawsuit in the jurisdiction where the accident occurred.

No legal consequences due to the public insurance plan.

12 / 25

Where must a claim for compensation for a road accident that occurs on the job be submitted first?

The Administrative Tribunal of Québec

A private insurer

The SAAQ

The CNESST

13 / 25

Which of these expenses resulting from an accident may be reimbursed by the SAAQ?

The cost of a rental car for personal use.

Replacement of damaged clothing.

Lost wages for a family member providing care.

Replacement of a damaged mobile phone.

14 / 25

Bodily injury caused by equipment that can function independently from a vehicle is not covered if the vehicle is...

Not moving on a public roadway.

Registered in Québec.

More than 10 years old.

Privately owned.

15 / 25

Besides monetary compensation, what might the SAAQ cover to help a victim?

The cost of adapting a victim’s home or vehicle for rehabilitation.

The cost of a new vehicle.

Legal fees for suing the at-fault party.

A vacation to aid in recovery.

16 / 25

When is an accident involving a farm tractor off a public road NOT covered by the public plan?

When the tractor operator is a resident of Québec.

When the accident happens during daylight hours.

When a moving automobile is also involved in the accident.

When only the tractor is involved, causing injury.

17 / 25

Which of the following is a type of indemnity the SAAQ may award to victims?

A lump sum for after-effects like pain and suffering.

Reimbursement for vehicle repair costs.

Compensation for increased private insurance premiums.

A lifetime pension for all victims regardless of injury.

18 / 25

What is the primary function of the third-party liability insurance contract from a private insurer in Québec?

To cover vehicle theft and fire.

To cover bodily injury to the policyholder.

To replace the SAAQ's public plan.

To cover property damage caused to others.

19 / 25

Which organization should be contacted if a person chooses compensation under the Act to Promote Good Citizenship?

The nearest CNESST regional office

The SAAQ head office

Their local police department

The Administrative Tribunal of Québec

20 / 25

Under the SAAQ's 'no-fault' system, what has been eliminated for bodily injury claims?

The need for private insurance.

Police reports.

Compensation for pain and suffering.

Proceedings before civil courts.

21 / 25

Victims of an assault where a vehicle caused injury have an option for compensation between the Automobile Insurance Act and which other act?

The Criminal Code

The Highway Safety Code

The Act to Promote Good Citizenship

The Crime Victims Compensation Act

22 / 25

How are non-residents compensated by the SAAQ if they are in an accident in a vehicle NOT registered in Québec?

They receive full compensation regardless of fault.

They receive compensation only if they are not responsible for the accident.

They are not entitled to any compensation.

They must file a claim with their home jurisdiction's insurer first.

23 / 25

If you are still dissatisfied after the SAAQ's review decision, where can you contest it?

The CNESST

Your private insurer

The Supreme Court of Canada

The Administrative Tribunal of Québec

24 / 25

Which of the following accidents is NOT covered by the SAAQ's public plan?

A car-snowmobile collision.

An accident occurring during an automobile race on a closed track.

A collision between a car and a pedestrian on a public road.

An accident involving a vehicle registered in Québec on a Québec road.

25 / 25

An accident involving a snowmobile is covered by the SAAQ public plan under what specific circumstance?

Only if the snowmobile driver has private insurance.

Only if it occurs on a designated snowmobile trail.

It is never covered.

If the collision involves a moving automobile.

Your score is

In Quebec, it is mandatory to have civil liability insurance with a minimum coverage of $50,000. This insurance protects against damages you may cause to others in a collision. The Société de l’assurance automobile du Québec (SAAQ) also provides personal injury coverage to all residents through a public plan. Knowing these essentials helps drivers meet their obligations and drive responsibly. Understanding automobile insurance is crucial for passing the driving test and for safe, legal driving in Quebec.