When No Fault Insurance Doesn't Pay

Giovanna Salvagio

Effective, simple and swift are three words that best describe our system (Gardner 2010)


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A flattering description of the Sociéte de L'Assurance Automobile du Québec (SAAQ, 2002), the government agency that regulates Québec's no fault insurance system. Québec drivers insure their vehicles against theft and vandalism; however, the SAAQ compensates for personal injury and or lost wages.  All Québecois drivers contribute towards Québec's no fault insurance.

A portion of the contribution derives from drivers licence fees and a much larger portion comes from vehicular registration. Drivers do not have any choice in the matter, and willingly contribute. Unfortunately, drivers in Québec have a false sense of security that in the event of an accident, citizens won't have the burden of dealing with loss of wages. Indeed, the SAAQ compensates car accident victims; however, if the accident victim suffered injuries that prevent the victim from resuming his/her activities indefinitely, then the SAAQ arbitrarily cesses compensation.

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