Canada — Quebec Act or statute

Canada — Quebec legislation

Automobile Insurance Act, 1977

This section defines key terms used in the Act, including “accident,” “automobile,” “damage caused by an automobile,” “load,” “owner,” “public highway,” and “theft.”

Maximum Yearly Insurable Earningsaccident compensationaccident indemnityaccidentsage-based entitlementagency designationagreement complianceanalysis dutyappealsappeals/review proceedingsapplication processingappraisalappraisal centresattendance rightsauthorizationautomobile damage liabilityautomobile insuranceautomobile liabilitybenefit entitlementbenefit offsetbenefitsbenefits administrationbenefits and indemnitiesbenefits calculationbenefits eligibilityboard meetingsboard quorumbodily injurycapitalizationcare expenses indemnitycare expenses reimbursementcertificate of insurancecertificate surrendercertificationclaims adjudicationclaims by accident victimsclaims eligibilityclaims filingclaims handlingclaims paymentclaims procedureclaims processingclaims recoveryclassificationclothingcommission disclosurecompensationcompensation administrationcompensation claimscompensation timingcompulsory liability insuranceconfidential informationconfidentiality agreementconsumer price indexcontestationscontract obligationscontract renewalcontract voidancecourt challengecourt judgment satisfactioncourt remediescoverage exclusionsdamage appraisaldamage insurance sectordata collectiondata processingdebt set-offdecision reconsiderationdefence burdendelegation of powersdirect compensation agreementdirector remunerationdisability benefitdisability compensationdisability durationdisability indemnitydocument productiondriver licensingearnings ceilingemployee absenceemploymentemployment benefitsemployment continuationemployment determinationemployment incomeevidence certificationexpense reimbursementfamily statusfiling obligationsfinancial yearfinefinesfiscal periodfuneral expenses indemnitygarage liability coveragegarage operationsgovernment paymentsgross income calculationhealth services fundinghealth services reimbursementhome assistance reimbursementincome replacementincome replacement indemnityindemnityindemnity calculationindemnity calculationsindemnity decision-makingindemnity deductionindemnity paymentindemnity paymentsindemnity recoveryindexationinformation disclosureinformation furnishinginjury compensationinjury compensation exclusionsinspectioninstallment paymentsinsuranceinsurance benefitsinsurance certificatesinsurance claimsinsurance compensation limitsinsurance contract cancellationinsurance contract termsinsurance contributioninsurance contribution calculationinsurance documentationinsurance indemnitiesinsurance information useinsurance premium disclosureinsured notificationsinsurer authorizationinsurersinter-agency agreementinterventionjoint decisionsjudgment enforcementjudgment satisfactionlegal compliancelegal incapacityliability allocationliability insurancelicensing feeslodginglodging expensesmarket regulationmarketing expenses disclosuremedical caremedical examination reimbursementmedical reimbursementmisrepresentationmonetary administrative penaltiesmonetary amountsmonetary roundingmotor vehicle accidentsmotor vehicle insurancemotor vehiclesnet income computationnon-pecuniary damagenotice of coming into forceonline publicationoperating costsoppositionowner liabilitypay recordspaymentpersonal informationpersonal information sharingpolicy issuancepolicy renewalpremium adjustmentpremium noticepremium paymentproperty damageproperty damage claimsproperty damage compensationprosecution timingprosthesespublic curator notificationrate applicationrate manualsrefundsregulatory amountsregulatory approvalregulatory calculation methodsregulatory complianceregulatory powerregulatory powersregulatory reportingregulatory valuationreimbursementreimbursement rulesremediesrepair verificationreportingreporting deadlinesreporting obligationsresponsibility disputesrevalorizationrevenue fundrisk aggravationrisk classificationrisk coverageroad vehicle registrationroundingseizureservice of processset-offsingle paymentstatute updatestatutory deductionsstatutory definitionsstudent indemnitystudent studiessubrogationsuccessionsupplier paymenttabling requirementtemporary certificatetie votetraining programstransportationtransportation expensestribunal proceedingsunseizable amountsvehicle ownership compliancevehicle registrationvehicle usevictim compensationvoucher-based reimbursementweekly allowanceweekly reimbursement

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01

Purpose and legislative effect

“This section defines key terms used in the Act, including “accident,” “automobile,” “damage caused by an automobile,” “load,” “owner,” “public highway,” and “theft.””

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02

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    Enacted 1977 · Source version 10 Jun 2026. The date shown identifies this source expression and should not be treated as proof that no later change exists.

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Section 141.1

For this title, a person who suffers property damage in an accident is deemed to be a victim.

Section 141.1

Section 181.1

If an authorized insurer is brought to the Autorité des marchés financiers’ attention for failing to comply with section 180 or 181, the Authority may impose a monetary administrative penalty of up to $1,000 once the facts are established.

Section 181.1

Schedule

This schedule states that most of chapter 68 of the statutes of 1977 is repealed, with listed sections excepted, and the repeal takes effect when the relevant chapter A-25 consolidation or update comes into force.

Schedule

04

Source and current-law status

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Source record from www.legisquebec.gouv.qc.ca · Enacted 1977 · Source version 10 Jun 2026

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Provisions 201–352

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Showing 152 of 352 provisions

Provision 96Repeal 48Offence 6Interpretation
§ 104Section 104Repeal

Section 104 is repealed.

104. (Repealed). 1977, c. 68, s. 104; 1977, c. 5, s. 14; 1982, c. 59, s. 69; 1990, c. 19, s. 11; 1999, c. 40, s. 26; 2008, c. 14, s. 107.
Section 104Verify source
§ 105Section 105Repeal

Section 105 is repealed.

105. (Repealed). 1977, c. 68, s. 105; 1977, c. 5, s. 14; 1982, c. 59, s. 69; 1990, c. 19, s. 11; 1999, c. 40, s. 26; 2008, c. 14, s. 107.
Section 105Verify source
§ 106Section 106Provision

Garagists must have liability insurance covering themselves and persons under their authority.

106. Garagists must have a liability insurance contract, for themselves and the persons under their authority; such contract must protect them against the pecuniary consequences of any liability they may incur by reason of property damage caused by the automobiles entrusted to them by reason of their duties and ordinary activities. 1977, c. 68, s. 106.
Section 106Verify source
§ 107Section 107Provision

If the relevant documents are lost or stolen, the insurer or competent authority must issue a duplicate when the benefited person applies.

107. In the case of loss or theft of the documents provided for in this title, the insurer or competent authority shall deliver a duplicate of them upon application of the person for whose benefit the original document had been established. The duplicate contains, in addition to the particulars of the original document, the date on which it is established and the word “duplicate”; the duplicate has the value of an original document. 1977, c. 68, s. 107.
Section 107Verify source
§ 108Section 108Provision

108. The owner of an automobile is liable for the property damage caused by such automobile. He cannot rebut or reduce such liability unless he proves: (1) that the damage has been caused by the fault of the victim or of a third person, or

108. The owner of an automobile is liable for the property damage caused by such automobile. He cannot rebut or reduce such liability unless he proves: (1) that the damage has been caused by the fault of the victim or of a third person, or by superior force other than that resulting from the condition or the running order of the automobile, or from the fault or the state of health of the driver or a passenger; (2) that, at the time of the accident, he had lost possession of his automobile by theft and that he had not yet been able to recover it, except, however, in the cases contemplated in section 103; (3) that at the time of an accident that occurred elsewhere than on a public highway, the automobile was in the possession of a garagist or a third person for storage, repair or transportation. In the cases contemplated in subparagraphs 2 and 3 of the second paragraph, the person in possession of the automobile is liable as if he were the owner. The liability of the owner extends even beyond the minimum compulsory amount of insurance; the insurer is directly liable towards the victim for the payment of any indemnity that may be payable to him, up to the amount of the insurance subscribed. 1977, c. 68, s. 108.
Section 108Verify source
§ 109Section 109Provision

The driver of an automobile is solidarily liable with the owner, unless the driver proves the accident was caused by the victim, a third person, or superior force (with stated limits).

109. The driver of an automobile is solidarily liable in like manner with the owner, unless he proves that the accident has been caused by the fault of the victim or of a third person, or by superior force other than that resulting from his state of health or the fault of a passenger. 1977, c. 68, s. 109.
Section 109Verify source
§ 110Section 110Provision

If an automobile is registered in someone else's name, that person is jointly and severally liable with the owner unless they prove the registration was made by fraud and without their knowledge.

110. When an automobile is registered in the name of a person other than the owner, such person is jointly and severally liable with the owner, unless he proves that the registration was effected by fraud and without his knowledge. 1977, c. 68, s. 110.
Section 110Verify source
§ 111Section 111Provision

111. The insurer of the driver of an automobile is not obliged to contribute towards payment for any loss to a victim for which the owner is liable except to the extent that such loss exceeds the obligation of the insurer of such

111. The insurer of the driver of an automobile is not obliged to contribute towards payment for any loss to a victim for which the owner is liable except to the extent that such loss exceeds the obligation of the insurer of such automobile towards the owner. 1977, c. 68, s. 111.
Section 111Verify source
§ 112Section 112Provision

112. Every insurance contract in which the automobiles insured are not designated expressly, affording protection against the pecuniary consequences of the civil liability of garagists, must cover by priority over any other insurance

112. Every insurance contract in which the automobiles insured are not designated expressly, affording protection against the pecuniary consequences of the civil liability of garagists, must cover by priority over any other insurance contract, any property damage caused by automobiles not belonging to the garagist which are at the time of the accident the object of a garagist’s professional activity; the protection of the other insurance contracts applies only in the case of insufficiency of the protection of the garagist’s insurance contract. 1977, c. 68, s. 112.
Section 112Verify source
§ 113Section 113Provision

Liability under sections 108 to 112 still applies when an accident involves several automobiles.

113. Liability as established in sections 108 to 112 applies even if an accident involves several automobiles. Between owners who cannot exonerate themselves, the liability is joint and several and, failing evidence of unequal faults, such liability is presumed to be equally shared by each owner. 1977, c. 68, s. 113.
Section 113Verify source
§ 114Section 114Provision

If an accident involves certain business-use automobiles, the owner or insurer is solely liable for passengers’ property damage, and may seek subrogation against the person who caused the accident.

114. Notwithstanding this chapter, when an accident involves an automobile effecting public transportation or transportation for a consideration in the normal course of business, its owner or its insurer alone is liable for the property damage sustained by the passengers, without prejudice to his right to be subrogated against the author of the accident. Liability for other damage is established in accordance with this title. 1977, c. 68, s. 114.
Section 114Verify source
§ 115Section 115Provision

A victim of property damage caused by an automobile is compensated under the ordinary rules of law, except where sections 108 to 114 override that result.

115. The victim of property damage caused by an automobile is compensated in accordance with the ordinary rules of law to the extent that sections 108 to 114 do not derogate therefrom. 1977, c. 68, s. 115.
Section 115Verify source
§ 116Section 116Provision

An automobile owner’s recourse for accident-related property damage must generally be brought only against the insurer under the owner’s automobile liability policy, when the direct compensation agreement in section 173 applies. If the owner is dissatisfied with the settlement, the owner may pursue recourse against the insurer under ordinary rules of law, subject to sections 108 to 114.

116. The recourse of the owner of an automobile by reason of property damage sustained in an automobile accident shall not be exercised except against the insurer with whom he subscribed his automobile liability insurance, to the extent that the direct compensation agreement contemplated in section 173 applies. However, the owner may, if he is not satisfied with the settlement made in accordance with the agreement, exercise such recourse against the insurer in accordance with the ordinary rules of law to the extent that sections 108 to 114 do not derogate therefrom. 1977, c. 68, s. 116; 1989, c. 47, s. 4.
Section 116Verify source
§ 117Section 117Provision

A victim or an insured’s waiver of a right under this title is ineffective against that person unless it is in writing and signed.

117. The waiver, by a victim or an insured, of a right arising under this title, cannot be set up against him unless it is in writing and bears his signature. 1977, c. 68, s. 117.
Section 117Verify source
§ 118Section 118Provision

If insurance is not enough to cover all indemnities from the same accident, the insurer must pay them pro rata.

118. If the amount of insurance is insufficient to pay all the indemnities payable following the same accident, the insurer pays such indemnities pro rata. 1977, c. 68, s. 118.
Section 118Verify source
§ 119Section 119Provision

An insurer may not use certain defences against a third person, up to the compulsory amount of liability insurance, and remains bound to pay indemnities.

119. The insurer of a person subject to the obligation imposed in section 84 shall not, up to the compulsory amount of liability insurance, set up against a third person any nullity, lapse or exception susceptible of being invoked against the insured; up to such amount, the insurer remains bound to pay the indemnities and, to the extent permitted by section 120, is subrogated in the third person’s rights against the insured. 1977, c. 68, s. 119.
Section 119Verify source
§ 120Section 120Provision

The insurer generally has no right of subrogation against the insured or a person whose liability is covered by the policy.

120. The insurer has no right of subrogation against the insured or against a person whose liability is covered by the insurance contract, except when the insurer pays an indemnity to which he was not bound under the insurance contract. 1977, c. 68, s. 120.
Section 120Verify source
§ 121Section 121Provision

If an automobile accident happens while the vehicle is being driven by a thief or someone who knew it was stolen, the insurer is discharged from obligations toward that person and any receiver.

121. When an automobile is involved in an accident while being driven by a person who obtained it by theft or who knew it to have been obtained by theft, the insurer is discharged from any obligation towards such person and any receiver. The insurer of the owner of the automobile may also claim from them jointly and severally the amount of indemnities paid as a consequence of the accident. 1977, c. 68, s. 121.
Section 121Verify source
§ 122Section 122Repeal

Section 122 is repealed.

122. (Repealed). 1977, c. 68, s. 122; 1982, c. 59, s. 33.
Section 122Verify source
§ 123Section 123Repeal

Section 123 is repealed.

123. (Repealed). 1977, c. 68, s. 123; 1982, c. 59, s. 33.
Section 123Verify source
§ 124Section 124Repeal

Section 124 is repealed.

124. (Repealed). 1977, c. 68, s. 124; 1977, c. 5, s. 14; 1982, c. 59, s. 33.
Section 124Verify source
§ 125Section 125Repeal

Section 125 is repealed.

125. (Repealed). 1977, c. 68, s. 125; 1982, c. 59, s. 33.
Section 125Verify source
§ 126Section 126Repeal

Section 126 is repealed.

126. (Repealed). 1977, c. 68, s. 126; 1982, c. 59, s. 33.
Section 126Verify source
§ 127Section 127Repeal

Section 127 is repealed.

127. (Repealed). 1977, c. 68, s. 127; 1977, c. 5, s. 14; 1982, c. 59, s. 33.
Section 127Verify source
§ 128Section 128Repeal

Section 128 is repealed.

128. (Repealed). 1977, c. 68, s. 128; 1978, c. 15, s. 133, s. 140; 1982, c. 59, s. 33.
Section 128Verify source
§ 129Section 129Repeal

Section 129 is repealed.

129. (Repealed). 1977, c. 68, s. 129; 1982, c. 59, s. 33.
Section 129Verify source
§ 130Section 130Repeal

Section 130 is repealed.

130. (Repealed). 1977, c. 68, s. 130; 1982, c. 59, s. 33.
Section 130Verify source
§ 131Section 131Repeal

Section 131 is repealed.

131. (Repealed). 1977, c. 68, s. 131; 1982, c. 59, s. 33.
Section 131Verify source
§ 132Section 132Repeal

132. (Repealed). 1977, c. 68, s. 132; 1979, c. 37, s. 43; 1982, c. 59, s. 33.

132. (Repealed). 1977, c. 68, s. 132; 1979, c. 37, s. 43; 1982, c. 59, s. 33.
Section 132Verify source
§ 133Section 133Repeal

Section 133 is repealed.

133. (Repealed). 1977, c. 68, s. 133; 1982, c. 59, s. 33.
Section 133Verify source
§ 134Section 134Repeal

Section 134 is repealed.

134. (Repealed). 1977, c. 68, s. 134; 1982, c. 59, s. 33.
Section 134Verify source
§ 135Section 135Repeal

Section 135 is repealed.

135. (Repealed). 1977, c. 68, s. 135; 1982, c. 59, s. 33.
Section 135Verify source
§ 136Section 136Repeal

Section 136 is repealed.

136. (Repealed). 1977, c. 68, s. 136; 1977, c. 5, s. 14; 1982, c. 59, s. 33.
Section 136Verify source
§ 137Section 137Repeal

Section 137 is repealed.

137. (Repealed). 1977, c. 68, s. 137; 1977, c. 5, s. 14; 1982, c. 59, s. 33.
Section 137Verify source
§ 138Section 138Repeal

Section 138 is repealed.

138. (Repealed). 1977, c. 68, s. 138; 1982, c. 59, s. 33.
Section 138Verify source
§ 139Section 139Repeal

Section 139 is repealed.

139. (Repealed). 1977, c. 68, s. 139; 1982, c. 59, s. 33.
Section 139Verify source
§ 140Section 140Repeal

Section 140 is repealed.

140. (Repealed). 1977, c. 68, s. 140; 1982, c. 59, s. 33.
Section 140Verify source
§ 141Section 141Repeal

Section 141 is repealed.

141. (Repealed). 1977, c. 68, s. 141; 1977, c. 5, s. 14; 1982, c. 59, s. 33.
Section 141Verify source
§ 141.1Section 141.1Provision

For this title, a person who suffers property damage in an accident is deemed to be a victim.

141.1. For the purposes of this title, every person who sustains property damage in an accident is deemed to be a victim. 1989, c. 15, s. 6.
Section 141.1Verify source
§ 142Section 142Provision

Certain accident victims with a final Québec judgment may apply to the Société within one year to have the judgment satisfied under this chapter.

142. The victim of property damage described in section 84.1 and the victim of bodily injury contemplated in subparagraphs 2 and 3 of the first paragraph of section 10 who have obtained in Québec a final judgment in their favour by reason of an automobile accident that occurred in Québec may, within a delay of one year, apply to the Société to have such judgment satisfied in accordance with the rules and conditions contained in this chapter. 1977, c. 68, s. 142; 1982, c. 59, s. 69; 1989, c. 15, s. 7; 1990, c. 19, s. 11.
Section 142Verify source
§ 143Section 143Provision

The Société may pay up to $50,000 per accident for bodily injury and $10,000 per accident for property damage, excluding interest and judicial costs.

143. The maximum amounts that may be paid by the Société, exclusive of interest and judicial costs, are $50,000 per accident for bodily injury and $10,000 per accident for property damage. 1977, c. 68, s. 143; 1982, c. 59, s. 69; 1989, c. 15, s. 8; 1990, c. 19, s. 11; 1999, c. 22, s. 27.
Section 143Verify source
§ 144Section 144Provision

Victims covered by section 142 must apply to the Société by sworn declaration.

144. The victims contemplated in section 142 apply to the Société by a sworn declaration, (a) establishing that the judgment has in no way been satisfied, or indicating, if such is the case, the amount paid, the value of the thing given in payment or of the services rendered in partial compensation; (b) establishing that no insurer will benefit by the amount claimed; and (c) disclosing any other possible claim arising out of the same accident. 1977, c. 68, s. 144; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 144Verify source
§ 145Section 145Provision

The Société must satisfy the judgment within seven days after receiving the application and an authentic copy of the judgment, subject to the amount limit and stated deductions.

145. Within seven days of receipt of the application accompanied by an authentic copy of the judgment, the Société must satisfy this judgment, up to the amount indicated in section 143, but deducting from such amount any sum or value received by the claimant and deducting from any amount due for property damage the deductible fixed by a regulation of the Société. If, however, there is a possibility of claims exceeding the amount contemplated in the first paragraph, the Société may defer payment to the extent deemed necessary until the other claims are liquidated. 1977, c. 68, s. 145; 1982, c. 59, s. 69; 1990, c. 19, s. 11; 1999, c. 22, s. 28.
Section 145Verify source
§ 146Section 146Provision

Payment by the Société transfers the claimant’s rights to the Société. The conveyance must be notified to the court clerk by filing a certificate, and the Société may then execute in its own name.

146. Payment by the Société transfers to it all the claimant’s rights, without restriction. Such conveyance shall be notified to the clerk of the court which rendered the judgment by the filing of a certificate from the Société establishing that it is subrogated in the rights of the creditor and the Société shall then be entitled to execute in its own name. 1977, c. 68, s. 146; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 146Verify source
§ 147Section 147Provision

A plaintiff cannot apply to the Société about certain judgments unless the Société has first been given 30 days’ notice.

147. No application can be made to the Société in respect of a judgment rendered by default, ex parte, on acquiescence in the demand, by consent, or in the absence of the defendant or his attorney, unless thirty days’ notice of the plaintiff’s intention so to proceed has been given to the Société. The Société may then intervene in the case and set up any ground of defence that the defendant might have set up without regard to any consent or acquiescence in the demand. 1977, c. 68, s. 147; 1982, c. 17, s. 37; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 147Verify source
§ 148Section 148Provision

An eligible victim may give the Société detailed notice within 60 days if the driver or owner is unknown. Certain claims are not admissible if repairs were done before expert appraisal or if the accident was not reported to police within 48 hours, unless there were serious and valid reasons. The Société must pay the claim within 60 days after notice, and if it does not, the victims may sue and the Société must satisfy any resulting judgment.

148. The victim having a claim that could be the basis of an application to the Société who cannot ascertain the identity of the driver or owner of the automobile that caused the accident may give the Société a detailed notice thereof within 60 days of the accident; failure to give such notice does not deprive such victim of his right of action, if he proves that he was prevented from giving it for reasons deemed sufficient. No claim is admissible if (1) the repairs were made before the damage was appraised by the expert designated by the Société; or (2) the accident was not reported to a police department within 48 hours, unless the claimant was unable, for serious and valid reasons, to act sooner. Within 60 days of receiving the notice referred to in the first paragraph, the Société must satisfy the claim covering the part of the damage for which the victim is not responsible up to the amounts indicated in section 143, deducting from any amount due for damage to property the deductible fixed by a regulation of the Société. If the Société fails to satisfy the claim within the time prescribed in the second paragraph, the victims may take action against the Société and the Société must satisfy the judgment up to the amounts indicated in section 143, deducting from any amount due for damage to property the deductible fixed by a regulation of the Société. 1977, c. 68, s. 148; 1982, c. 59, s. 69; 1989, c. 15, s. 9; 1990, c. 19, s. 11; 1999, c. 22, s. 29.
Section 148Verify source
§ 149Section 149Provision

Several listed persons may not make a claim to the Société.

149. The following persons shall not make a claim to the Société: (1) the insurer, the Government, its agents and mandataries of the State, legal persons or partnerships; (2) the person who sustains damage in an accident occurring by reason of a contest, show, race, open trial, demonstration or exhibition involving one or more automobiles on a track or land that is permanently or temporarily closed to all other automobile traffic or inside a building, with regard to damage caused by an automobile participating in the contest, show, race, open trial, demonstration or exhibition; (3) for the objects which, at the time of the accident, were transported in the automobile of the debtor, the owner of them; (4) persons domiciled in a state, province or territory where persons residing in Québec do not enjoy rights equivalent to those granted by this title; (5) a person who is insured against the damage sustained; (6) the owner of an automobile for damage to the automobile or, where applicable, to other property if, at the time of the accident, — the owner was driving the automobile while under a sanction within the meaning of section 106.1 of the Highway Safety Code (chapter C-24.2) or without the licence required by section 65 of that Code; — the owner, in contravention of section 84, did not have a liability insurance contract guaranteeing compensation for property damage caused by an automobile; — the automobile was not registered or the duties provided for in section 31.1 of the Highway Safety Code were unpaid. 1977, c. 68, s. 149; 1977, c. 5, s. 14; 1982, c. 59, s. 69; 1989, c. 15, s. 10; 1990, c. 19, s. 11; 1999, c. 40, s. 26; 1999, c. 22, s. 30; 2008, c. 14, s. 108; 2018, c. 7, s. 175.
Section 149Verify source
§ 149.1Section 149.1Provision

The Société must satisfy unsatisfied accident claims for accidents that occurred between 30 September 1961 and 1 March 1978, according to this chapter.

149.1. The Société is bound to satisfy the unsatisfied claims of victims of accidents having occurred between 30 September 1961 and 1 March 1978 in the manner and to the extent provided under this chapter. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.1Verify source
§ 149.2Section 149.2Provision

An automobile owner is responsible for damage caused by the automobile or its use, unless certain proof-based exceptions apply. A driver is responsible in the same way unless the driver proves the damage was not due to the driver’s fault.

149.2. The owner of an automobile is responsible for all damage caused by such automobile or by the use thereof, unless he proves (1) that the damage is not imputable to any fault on his part or on the part of a person in the automobile or of the driver thereof, or (2) that at the time of the accident the automobile was being driven by a third person who obtained possession thereof by theft, or (3) that at the time of an accident that occurred elsewhere than on a public highway the automobile was in possession of a third party for storage, repair or transportation. The driver of an automobile is responsible in like manner unless he proves that the damage is not imputable to any fault on his part. Damage caused, when the automobile is not in motion on a public highway, by apparatus incorporated therein that can be operated independently or by the use of such apparatus is not contemplated by this section. 1981, c. 7, s. 543.
Section 149.2Verify source
§ 149.3Section 149.3Provision

Certain creditors may apply to the Société within one year to satisfy a qualifying Québec judgment arising from a Québec automobile accident.

149.3. Any creditor under a final judgment rendered in Québec awarding damages of $100 or more resulting from bodily injuries or death and arising out of an automobile accident that occurred in Québec after 30 September 1961, or for damage to the property of another in excess of $200 and arising out of such an accident, may apply to the Société within a delay of one year to satisfy such judgment. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.3Verify source
§ 149.4Section 149.4Provision

The creditor must apply to the Société by sworn declaration.

149.4. The creditor shall apply to the Société by a sworn declaration (1) establishing that the judgment has in no way been satisfied or indicating, if need be, the amount paid, the value of the thing given in payment or of the services rendered in partial indemnification; (2) establishing that no insurer will benefit by the amount claimed; and (3) disclosing any other possible claim arising out of the same accident. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.4Verify source
§ 149.5Section 149.5Provision

The Société must satisfy the judgment within seven days after receiving the application and an authentic copy of the judgment, up to $35,000 plus interest and costs, with specified deductions. If claims may exceed the prescribed amount, it may defer payment as needed until those claims are liquidated.

149.5. Within seven days of receipt of the application accompanied with an authentic copy of the judgment, the Société shall satisfy the judgment, up to $35,000 in addition to interest and costs, but deducting from such amount any sum or value received by the creditor and deducting from any amount due for damage to property the sum of $200. If, however, there is a possibility of claims exceeding the whole of the prescribed amount, the Société may defer payment to the extent deemed necessary until the other claims are liquidated. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.5Verify source
§ 149.6Section 149.6Provision

The application to the Société transfers the creditor’s rights to it without restriction. The conveyance must be notified to the clerk of the court that rendered the judgment by filing a certificate from the Société, and the Société may then execute in its own name.

149.6. The application to the Société transfers to it all the creditor’s rights without restriction. Such conveyance shall be notified to the clerk of the court which rendered the judgment by the filing of a certificate from the Société establishing that it is subrogated in the rights of the creditor and the Société shall then be entitled to execute in its own name. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.6Verify source
§ 149.7Section 149.7Interpretation

These persons cannot make an application to the Société.

149.7. The following persons cannot make an application to the Société: (1) an insurer to whom a recourse contemplated by section 149.2, 149.3 or by section 200 of the Highway Safety Code (chapter C-24.2) has been assigned or who is subrogated in such a recourse; (2) a person entitled to compensation under the Act respecting industrial accidents and occupational diseases (chapter A-3.001); (3) the child or the spouse of the debtor, as defined under the definition of the word “spouse” in section 2; (4) for articles which were being transported in the debtor’s automobile at the time of the accident, the owner of such articles; (5) any person, including the State, subrogated in the rights of the persons mentioned above or to whom the same have been assigned; (6) any person domiciled in a State, province or territory where residents of Québec do not enjoy rights equivalent to those granted by this chapter. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1985, c. 6, s. 477; 1986, c. 91, s. 655; 1989, c. 15, s. 11; 1990, c. 19, s. 11; 1999, c. 40, s. 26.
Section 149.7Verify source
§ 149.8Section 149.8Provision

An application to the Société is barred for certain default or consent judgments unless the plaintiff has given 30 days’ notice of the intended application; if notice is given, the Société may intervene and raise any defence the defendant could have raised.

149.8. No application can be made to the Société in respect of a judgment rendered by default to appear or to plead, on confession of judgment, by consent, or in the absence of the defendant or his attorney, unless thirty days’ notice of the plaintiff’s intention so to proceed has been given to the Société. The Société may then intervene in the case and set up any ground of defence that the defendant might have set up without regard to any consent or confession of judgment. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.8Verify source
§ 149.9Section 149.9Provision

A claimant who cannot identify the driver or owner of the vehicle may give the Société detailed notice, and if the matter is not settled within 60 days, may sue the Société.

149.9. Any person having a claim that could be the basis of an application to the Société who cannot ascertain the identity of the driver or owner of the automobile that caused the accident may give the Société a detailed notice thereof. Failing settlement within 60 days, such person may take action against the Société and the Société must satisfy the judgment to the same extent as if it had been rendered against the author of the accident. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.9Verify source
§ 149.10Section 149.10Provision

The Société has powers to pay certain accident-related judgments or claims, obtain subrogation, intervene in accident actions, indemnify victims when the author is unknown, and settle with claimants.

149.10. For the purposes of this chapter, the Société has the following powers: (1) to pay, to the extent prescribed, the unsatisfied judgments awarding damages arising out of accidents or the claims susceptible of giving rise to such judgments; (2) to obtain subrogation in the rights of any person indemnified; (3) to intervene in any action resulting from an accident; (4) to indemnify the victims of accidents when the author thereof is unknown; (5) to transact or compromise with claimants. The moneys necessary to indemnify the victims contemplated in this chapter are taken out of the moneys of the Société. 1981, c. 7, s. 543; 1982, c. 59, s. 69; 1990, c. 19, s. 11.
Section 149.10Verify source
§ 150Section 150Repeal

150. (Repealed). 1977, c. 68, s. 150; 1980, c. 38, s. 18; 1981, c. 7, s. 544; 1982, c. 59, s. 31; 1986, c. 91, s. 655; 1990, c. 19, s. 7; 1990, c. 83, s. 245; 2004, c. 34, s. 16.

150. (Repealed). 1977, c. 68, s. 150; 1980, c. 38, s. 18; 1981, c. 7, s. 544; 1982, c. 59, s. 31; 1986, c. 91, s. 655; 1990, c. 19, s. 7; 1990, c. 83, s. 245; 2004, c. 34, s. 16.
Section 150Verify source
§ 151Section 151Provision

The Société may, by regulation and after actuarial valuation, set the insurance contribution payable when obtaining certain driver licences and the contribution under section 93.1, using one or more listed factors.

151. The Société may fix, by regulation, after actuarial valuation, the insurance contribution exigible on obtaining a learner’s licence, probationary licence, restricted licence or driver’s licence and the contribution exigible pursuant to section 93.1 of the Highway Safety Code (chapter C-24.2), on the basis of one or more of the following factors: (1) the nature of the licence applied for; (2) its class; (3) its category; (4) the number of demerit points entered in the applicant’s record kept in accordance with section 113 of the Highway Safety Code; (5) the cancellations of the applicant’s licence or suspensions of his right to obtain such licence imposed under any of sections 180, 185 and 191.2 of the Highway Safety Code. 1977, c. 68, s. 151; 1977, c. 5, s. 14; 1984, c. 47, s. 12; 1986, c. 91, s. 662; 1990, c. 19, s. 11; 1990, c. 83, s. 246; 1996, c. 56, s. 145; 2007, c. 40, s. 84.
Section 151Verify source
§ 151.1Section 151.1Provision

The Société may set certain vehicle insurance contributions by regulation after actuarial valuation, using accident risk factors.

151.1. The Société may fix, by regulation, after actuarial valuation, the insurance contribution exigible on obtaining the registration of a road vehicle and the contribution exigible pursuant to section 31.1 of the Highway Safety Code (chapter C-24.2) according to the accident risk attached to that type of road vehicle. Accident risk may be measured on the basis of such factors as: (1) the class or sub-class of road vehicles to which the vehicle belongs; (2) its net mass; (3) its number of axles; (4) its make, model or piston displacement; (5) its use; (6) the professional activity, the legal personality or the identity of its owner; (7) the territory where it is used. The list of the makes and models or piston displacements of the road vehicles contained in a regulation under the first paragraph is not subject to the publication requirement and date of coming into force set out in sections 8 and 17 of the Regulations Act (chapter R-18.1). The regulation comes into force on the date of its publication in the Gazette officielle du Québec or on any later date fixed in the regulation. 1990, c. 83, s. 246; 1999, c. 22, s. 31; 2002, c. 29, s. 77.
Section 151.1Verify source
§ 151.2Section 151.2Provision

The Société may make regulations setting calculation methods for certain insurance contributions.

151.2. The Société may prescribe, by regulation, calculation methods for the following insurance contributions: (1) the contribution exigible upon the issue of a learner’s licence, probationary licence, restricted licence or driver’s licence on the basis of one or more of the following factors: (a) the time remaining between the date of issue of the licence and the date of the prescribed day within the prescribed period under paragraph 4.2 of section 619 of the Highway Safety Code (chapter C-24.2) for the payment of the insurance contribution exigible under section 93.1 of the said Code; (b) the time expired between the date of issue of the licence and the expiration date of a previous licence; (c) the cancellation of a previous licence; (d) the cancellation of a previous licence at the holder’s request; (e) the applicant’s entitlement to a reimbursement of part of the insurance contribution for his previous licence; (2) the insurance contribution exigible upon the registration of a road vehicle on the basis of one or more of the following factors: (a) the time remaining between the date of registration and the date of the prescribed day within the prescribed period under paragraph 8.8 of section 618 of the Highway Safety Code for the payment of the insurance contribution exigible under section 31.1 of the said Code; (b) the entitlement of the applicant to a reimbursement of part of the insurance contribution for another road vehicle; (c) a percentage of the insurance contribution fixed pursuant to section 151.1 which would be exigible under section 31.1 of the Highway Safety Code for the road vehicle. The calculation methods prescribed on the basis of the factors referred to in subparagraph 1 of the first paragraph must be based on one of the following insurance contributions: (1) the insurance contribution on the licence fixed under section 151 which would be exigible under section 93.1 of the Highway Safety Code; (2) the monthly insurance contribution fixed, by regulation, by the Société, on the basis of one or more of the factors referred to in section 151. The calculation methods prescribed on the basis of the factors referred to in paragraphs a and b of subparagraph 2 of the first paragraph must be based on one of the following insurance contributions: (1) the insurance contribution fixed under section 151.1 which would be exigible in respect of the vehicle under section 31.1 of the Highway Safety Code; (2) the monthly insurance contribution fixed, by regulation, by the Société in respect of the vehicle on the basis of one or more of the factors referred to in section 151.1. 1990, c. 83, s. 246; 1996, c. 56, s. 146; 2007, c. 40, s. 85.
Section 151.2Verify source
§ 151.3Section 151.3Provision

The Société may make regulations about exemptions or reductions in certain insurance contributions, and may set the calculation method or exact amount to be deducted.

151.3. The Société may, by regulation, (1) prescribe the cases and conditions giving entitlement to an exemption or a reduction of the insurance contribution on a learner’s licence, a probationary licence, restricted licence or a driver’s licence exigible under section 93.1 of the Highway Safety Code (chapter C-24.2) or to a reduction of the insurance contribution exigible with respect to a road vehicle under section 31.1 of the said Code and establish the calculation method or fix the exact amount of the insurance contribution to be deducted; (2) prescribe, with regard to the owner of a road vehicle any exemptions from the insurance contribution exigible in respect of that vehicle under section 31.1 of the Highway Safety Code according to the class or sub-class of road vehicles to which it belongs. 1990, c. 83, s. 246; 1996, c. 56, s. 147; 1999, c. 22, s. 32; 2007, c. 40, s. 86.
Section 151.3Verify source
§ 151.3.1Section 151.3.1Provision

The Société may, by regulation and after actuarial valuation, set the insurance contribution and prescribe how it is calculated.

151.3.1. The Société may fix, by regulation, after actuarial valuation, the insurance contribution exigible, as the case may be, (1) from the owner of an authorized automobile under the Act respecting remunerated passenger transportation by automobile (chapter T-11.2); or (2) from a transportation system operator under that Act. The insurance contribution is established according to the accident risk attached to automobiles used to offer remunerated passenger transportation. The accident risk is measured on the basis of the factors determined by the Société. The Société may prescribe, by regulation, the calculation methods for the insurance contribution. 2019, c. 18, s. 217.
Section 151.3.1Verify source
§ 151.4Section 151.4Repeal

Section 151.4 is repealed.

151.4. (Repealed). 1993, c. 57, s. 1; 2004, c. 34, s. 17; 2022, c. 13, s. 16.
Section 151.4Verify source
§ 152Section 152Repeal

Section 152 is repealed.

152. (Repealed). 1977, c. 68, s. 152; 1981, c. 7, s. 545; 1982, c. 59, s. 32; 1984, c. 47, s. 13; 1986, c. 28, s. 2; 1986, c. 91, s. 655; 1990, c. 19, s. 11; 1990, c. 83, s. 247; 1993, c. 57, s. 2; 1999, c. 22, s. 33; 2004, c. 34, s. 18.
Section 152Verify source
§ 152.1Section 152.1Repeal

Section 152.1 is repealed.

152.1. (Repealed). 1999, c. 22, s. 34; 2004, c. 34, s. 18.
Section 152.1Verify source
§ 153Section 153Repeal

Section 153 is repealed.

153. (Repealed). 1977, c. 68, s. 153; 1990, c. 19, s. 11; 2004, c. 34, s. 18.
Section 153Verify source
§ 154Section 154Repeal

Section 154 is repealed.

154. (Repealed). 1977, c. 68, s. 154; 1990, c. 83, s. 248; 2004, c. 34, s. 18.
Section 154Verify source
§ 155Section 155Repeal

Section 155 is repealed.

155. (Repealed). 1977, c. 68, s. 155; 1990, c. 19, s. 11; 2004, c. 34, s. 18.
Section 155Verify source
§ 155.1Section 155.1Provision

For fiscal year 1998, the Société must pay $88,654,360 into the Consolidated Revenue Fund.

155.1. For the fiscal year 1998, the Société shall pay into the Consolidated Revenue Fund the sum of $88,654,360, which represents the annual cost of health services required as a result of automobile accidents. 1986, c. 28, s. 3; 1990, c. 19, s. 11; 1999, c. 22, s. 35.
Section 155.1Verify source
§ 155.2Section 155.2Provision

155.2. For the fiscal year 1999 and subsequent fiscal years of the Société, the sum representing the annual cost of health services required as a result of automobile accidents and defrayed by the Régie de l’assurance maladie du Québec

155.2. For the fiscal year 1999 and subsequent fiscal years of the Société, the sum representing the annual cost of health services required as a result of automobile accidents and defrayed by the Régie de l’assurance maladie du Québec shall be determined by agreement between that body, the Minister of Finance and the Société. For those same fiscal years, the sum representing the annual cost of health services required as a result of automobile accidents and defrayed by the Ministère de la Santé et des Services Sociaux shall be determined by agreement between the Minister of Health and Social Services, the Minister of Finance and the Société. If an agreement under this section is not made for a given fiscal year, the Société shall pay, for that fiscal year, the sum indicated in section 155.1. The Société shall pay the sum representing the cost of health services annually into the Consolidated Revenue Fund in two equal instalments, on 31 March and 30 September. 1986, c. 28, s. 3; 1999, c. 22, s. 35; 1999, c. 89, s. 53.
Section 155.2Verify source
§ 155.3Section 155.3Provision

If the Minister of Health and Social Services and the Société agree, costs for certain health services may be reimbursed, in whole or in part, when billed.

155.3. If agreed between the Minister of Health and Social Services and the Société, the cost of health services paid under the second paragraph of section 155.2 may be reimbursed, in whole or in part, upon billing of the services. 1986, c. 28, s. 3; 1999, c. 22, s. 35.
Section 155.3Verify source
§ 155.3.1Section 155.3.1Provision

This section is marked as replaced.

155.3.1. (Replaced). 1993, c. 57, s. 3; 1999, c. 22, s. 35.
Section 155.3.1Verify source
§ 155.4Section 155.4Provision

The parties may share only the personal information needed for this chapter, and must make a confidentiality-and-security agreement, submit it for an opinion, and table it in the National Assembly within 30 days.

155.4. The parties referred to in this chapter may exchange such personal information as is necessary for the purposes of this chapter. In that case, they shall make an agreement specifying the information to be transmitted, the means to be used to ensure confidentiality and the security measures to be applied. The agreement shall be submitted to the Commission d’accès à l’information for an opinion. Should the Commission give an unfavourable opinion, the agreement may be submitted to the Government for approval; it comes into force on the date of its approval. The agreement, together with the opinion of the Commission d’accès à l’information and, where applicable, the approval of the Government, shall be tabled in the National Assembly within 30 days of the issue of such opinion or approval or, if the Assembly is not sitting, within 30 days of resumption. 1987, c. 88, s. 1; 1999, c. 22, s. 35; 2006, c. 22, s. 177.
Section 155.4Verify source
§ 155.5Section 155.5Repeal

155.5. (Repealed). 1990, c. 19, s. 8; 1992, c. 21, s. 90; 1994, c. 23, s. 23; 1998, c. 39, s. 175; 2002, c. 69, s. 121; 2004, c. 34, s. 19.

155.5. (Repealed). 1990, c. 19, s. 8; 1992, c. 21, s. 90; 1994, c. 23, s. 23; 1998, c. 39, s. 175; 2002, c. 69, s. 121; 2004, c. 34, s. 19.
Section 155.5Verify source
§ 155.6Section 155.6Repeal

Section 155.6 is repealed.

155.6. (Repealed). 1990, c. 19, s. 8; 2004, c. 34, s. 19.
Section 155.6Verify source
§ 155.7Section 155.7Repeal

Section 155.7 is repealed.

155.7. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.7Verify source
§ 155.8Section 155.8Repeal

155.8. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.

155.8. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.8Verify source
§ 155.9Section 155.9Repeal

155.9. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.

155.9. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.9Verify source
§ 155.10Section 155.10Repeal

This section is repealed.

155.10. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.10Verify source
§ 155.11Section 155.11Repeal

Section 155.11 is repealed.

155.11. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.11Verify source
§ 155.12Section 155.12Repeal

This section is repealed.

155.12. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.12Verify source
§ 155.13Section 155.13Repeal

This section is repealed.

155.13. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.13Verify source
§ 155.14Section 155.14Repeal

Section 155.14 is repealed.

155.14. (Repealed). 1993, c. 57, s. 4; 1999, c. 22, s. 36.
Section 155.14Verify source
§ 156Section 156Provision

This section establishes the Groupement des assureurs automobiles and defines “authorized insurer.”

156. A Groupement des assureurs automobiles, hereinafter called the “Groupement”, is established by this Act. An authorized insurer is an insurer authorized to transact automobile insurance under the Insurers Act (chapter A-32.1), except a person who transacts exclusively in reinsurance. 1977, c. 68, s. 156; 1989, c. 15, s. 12; 1989, c. 47, s. 5; 2002, c. 45, s. 167; 2004, c. 37, s. 90; 2018, c. 23, s. 719.
Section 156Verify source
§ 157Section 157Provision

The Groupement is a legal person.

157. The Groupement is a legal person. 1977, c. 68, s. 157; 1989, c. 47, s. 5; 1999, c. 40, s. 26.
Section 157Verify source
§ 158Section 158Provision

The Groupement may hold sittings anywhere in Québec, and notice of the head office location or any change must be published in the Gazette officielle du Québec.

158. The head office of the Groupement is in Québec, at the place chosen by it with the approval of the Minister. Notice of the location of the head office or of any change in its location shall be published in the Gazette officielle du Québec. The Groupement may hold its sittings anywhere in Québec. 1977, c. 68, s. 158; 1989, c. 47, s. 5.
Section 158Verify source
§ 159Section 159Provision

The Groupement must be managed by a board of directors with 7 to 13 members. A person may serve as a director only if they are a resident of Québec and represent an authorized insurer.

159. The Groupement is administered by a board of directors consisting of not under 7 nor over 13 members. No person may be a director unless the person is a resident of Québec and represents an authorized insurer. 1977, c. 68, s. 159; 1989, c. 47, s. 5; 2011, c. 26, s. 1; 2025, c. 16, s. 120.
Section 159Verify source
§ 160Section 160Repeal

Section 160 is repealed.

160. (Repealed). 1977, c. 68, s. 160; 2011, c. 26, s. 2.
Section 160Verify source
§ 161Section 161Provision

The Autorité des marchés financiers and one other person appointed by the Minister may attend the Groupement’s board sittings, and the Groupement must convene those sittings as if they were board members.

161. The Autorité des marchés financiers and one other person appointed by the Minister are entitled to attend the sittings of the board of directors of the Groupement, which must convene them as if they were members of the board. 1977, c. 68, s. 161; 1982, c. 52, s. 51; 1999, c. 40, s. 26; 2002, c. 45, s. 168; 2004, c. 37, s. 90.
Section 161Verify source
§ 162Section 162Provision

Authorized insurers elect the directors by ballot and must hold their general meeting on or before 31 March each year. The Groupement may provide by by-law for weighted votes, and each authorized insurer has at least one vote. Directors stay in office after their term expires until re-elected or replaced.

162. The directors are elected, by ballot, by the authorized insurers, who shall hold their general meeting on or before 31 March each year. The Groupement by by-law, may provide for weighted votes, taking into account the proportion of the direct gross premiums collected for automobile insurance in Québec in the preceding year by each authorized insurer, who in every case has at least one vote. On the expiry of their term, the directors remain in office until they are re-elected or replaced. 1977, c. 68, s. 162; 1989, c. 47, s. 5.
Section 162Verify source
§ 163Section 163Provision

The directors must elect one of their number as chairman and appoint a general manager to manage day-to-day business.

163. The directors elect one of their number chairman and appoint a general manager to manage day-to-day business. 1977, c. 68, s. 163.
Section 163Verify source
§ 164Section 164Provision

A majority of members in office makes a quorum of the board, and the chairman has a casting vote if there is a tie.

164. A majority of the members in office constitutes a quorum of the board of the Groupement. In the case of a tie-vote, the chairman has a casting vote. 1977, c. 68, s. 164; 1989, c. 47, s. 5; 2025, c. 16, s. 121.
Section 164Verify source
§ 165Section 165Provision

Directors, as such, receive no remuneration, but the Groupement reimburses their meeting expenses.

165. The directors, as such, receive no remuneration; their expenses incurred in attending meetings are reimbursed to them by the Groupement. 1977, c. 68, s. 165; 1989, c. 47, s. 5.
Section 165Verify source
§ 166Section 166Provision

The Groupement may pass by-laws for its internal management.

166. The Groupement may pass by-laws for its internal management. 1977, c. 68, s. 166; 1989, c. 47, s. 5.
Section 166Verify source
§ 167Section 167Provision

A development fund is created at the Groupement, and each authorized insurer must contribute an amount set by the Groupement, with a minimum of $10,000.

167. A development fund is created at the Groupement. Each authorized insurer must contribute an amount fixed by the Groupement; however, such amount shall not be less than $10,000. The Groupement may annually pay interest to the authorized insurers on these contributions, out of its operating surplus. The Groupement, by by-law, shall determine the terms and conditions of reimbursement, to insurers ceasing to be authorized to transact automobile insurance in Québec, of their contributions to the development fund. 1977, c. 68, s. 167; 1989, c. 47, s. 5.
Section 167Verify source
§ 168Section 168Commencement

The Groupement must prepare an annual budget, levy a provisional assessment from authorized insurers, may levy a supplementary assessment during the year, and must levy a final assessment or refund any over-assessment at year end.

168. At the commencement of each financial year, the Groupement shall prepare a budget of its revenues and expenditures for that year, and levy a provisional assessment from the authorized insurers on the basis of this budget; it may also levy a supplementary assessment during the year; at the end of the year, it shall levy a final assessment or, as the case may be, refund the over-assessment, as indicated by the balance-sheet of its actual revenues and expenditures. Assessments and refunds are computed for each insurer proportionally to the amount of direct gross premiums collected for automobile insurance in Québec in the preceding year. 1977, c. 68, s. 168; 1989, c. 47, s. 5.
Section 168Verify source
§ 169Section 169Provision

The Groupement’s financial year ends on 31 December each year.

169. The financial year of the Groupement ends 31 December each year. 1977, c. 68, s. 169; 1989, c. 47, s. 5.
Section 169Verify source
§ 170Section 170Provision

The Groupement must set up a mechanism to help every automobile owner find an authorized insurer for the liability insurance mentioned in section 84.

170. The Groupement must establish a mechanism designed to enable every automobile owner to find an authorized insurer with whom he may take out liability insurance provided for in section 84. 1977, c. 68, s. 170; 1989, c. 47, s. 5.
Section 170Verify source
§ 171Section 171Provision

The Groupement must establish or certify appraisal centres for automobile damage appraisal, set standards and withdrawal conditions, and ensure appraisers are qualified.

171. The Groupement must establish or certify appraisal centres for the appraisal of damage sustained to automobiles. The Groupement determines the standards on which centres certified by it may be established and operated, and the conditions on which it may withdraw certification. Appraisal centres established or certified under this section must offer their services to every authorized insurer, and each authorized insurer must engage their services whenever possible. The Groupement is, in addition, responsible for ensuring that the persons acting as appraisers are qualified. For that purpose, it shall establish and administer training programs and determine the minimum requirements applicable to the activity of appraiser. 1977, c. 68, s. 171; 1989, c. 47, s. 5; 1989, c. 48, s. 223.
Section 171Verify source
§ 172Section 172Provision

Appraisal centres may be entrusted with verifying repairs after their damage appraisal.

172. The appraisal centres may be entrusted with verifying repairs effected following their appraisal of damage. 1977, c. 68, s. 172.
Section 172Verify source
§ 173Section 173Provision

The Groupement must establish a direct compensation agreement covering compensation for insured persons’ automobile-accident property damage, damage appraisal and adjustments, liability tabulation, an arbitration board for insurer disputes, and subrogation between insurers.

173. The Groupement must establish a direct compensation agreement regarding: (1) the direct compensation for property damage sustained by an insured person by reason of an automobile accident; (2) the appraisal of damage sustained to automobiles, and the necessary adjustments; (3) the tabulation of accident circumstances to apportion the liability of the owner of each automobile involved; (4) the establishment of an arbitration board to decide disagreements between authorized insurers arising from the application of the agreement; (5) the exercise of the right of subrogation between insurers. 1977, c. 68, s. 173; 1989, c. 47, s. 5, s. 7.
Section 173Verify source
§ 174Section 174Provision

A direct compensation agreement binds every authorized insurer once it has the required consent, and it cannot take effect unless 30 days’ notice is published in the Gazette officielle du Québec with the text.

174. If a direct compensation agreement obtains the consent of the authorized insurers who collect at least fifty per cent of the direct gross premiums collected for automobile insurance in Québec, every authorized insurer must comply with the agreement, from its coming into force. Such compensation agreement shall not come into force except on thirty days’ notice published in the Gazette officielle du Québec, setting out its text. 1977, c. 68, s. 174.
Section 174Verify source
§ 175Section 175Provision

The Government, its agents and mandataries of the State, and persons in section 102, are bound by the section 174 agreement as an authorized insurer would be; the Société is not bound by the direct compensation agreement when exercising its powers.

175. The Government, its agents and mandataries of the State and every person contemplated in section 102 are bound in the same manner as an authorized insurer, by the agreement contemplated in section 174. In exercising its powers, the Société is not bound by the direct compensation agreement contemplated in section 174. 1977, c. 68, s. 175; 1977, c. 5, s. 14; 1982, c. 59, s. 69; 1990, c. 19, s. 11; 1999, c. 40, s. 26.
Section 175Verify source
§ 176Section 176Provision

The Groupement may carry out several authorized functions, including establishing or certifying appraisal and loss-adjustment centres, standardizing insurer forms, providing public information, and acting as an authorized agency under section 178.

176. In addition to its powers under this Act, the Groupement may (1) establish a centre to examine and perfect techniques of appraisal and repair of damage to automobiles; (2) standardize the forms to be used by all authorized insurers for reporting accidents and adjusting losses; (3) establish or certify loss adjustment centres; (4) provide information to the public, particularly on the direct compensation agreement and its application, on the establishment or certification of appraisal centres and their operation, and on the mechanism established to enable any automobile owner required to take out liability insurance provided for in section 84 to find an authorized insurer with whom he may take out such insurance; (5) act as an authorized agency under section 178. 1977, c. 68, s. 176; 1989, c. 47, s. 5.
Section 176Verify source
§ 177Section 177Provision

The Autorité des marchés financiers may require insurers to file prescribed statistical data and information about automobile insurance experience in Québec and insured persons’ driving experience. If that information is required, each insurer must notify insured persons in writing about possible transmission of certain information and their access and correction rights.

177. The Autorité des marchés financiers may require that every insurer file, in the form prescribed by it, the statistical data and information which it determines concerning the insurer’s automobile insurance experience in Québec and the automobile driving experience of the persons insured. The information concerning the automobile driving experience of persons insured by the insurers shall cover only the past 10 years. If the Autorité des marchés financiers requires that insurers transmit information concerning the automobile driving experience of the persons they insure, each insurer shall notify in writing the persons insured by him that certain information in that respect may be transmitted to the Autorité des marchés financiers and, possibly to other insurers, and that they have, in respect of such information, the rights of access and correction provided for by the Act respecting Access to documents held by public bodies and the Protection of personal information (chapter A-2.1). 1977, c. 68, s. 177; 1982, c. 52, s. 51; 1989, c. 47, s. 8; 2002, c. 45, s. 170; 2004, c. 37, s. 90.
Section 177Verify source
§ 178Section 178Provision

The Autorité des marchés financiers may authorize an agency to collect section 177 data and information, and insurers must provide it to that agency on demand in the required form.

178. The Autorité des marchés financiers may authorize an agency to collect the data and information contemplated in section 177 for it, and every insurer must furnish them to that agency on demand, in the indicated form. This authorization shall not be granted, however, unless the agency has its main establishment in Québec, and keeps its records and books in Québec. The Autorité des marchés financiers may designate the Groupement as an authorized agency under this section. 1977, c. 68, s. 178; 1982, c. 52, s. 51; 1989, c. 47, s. 5, s. 9; 2002, c. 45, s. 171; 2004, c. 37, s. 90; 2018, c. 23, s. 811; I.N. 2021-06-30; 2021, c. 34, s. 2.
Section 178Verify source
§ 179Section 179Provision

The Autorité des marchés financiers may require the authorized agency to process received data and information as it considers appropriate, and every authorized insurer must pay its share of the agency’s operating costs based on direct gross premiums from automobile insurance in Québec.

179. The Autorité des marchés financiers may require the authorized agency under section 178 to process the data and information it receives, in the manner the Authority considers appropriate; every authorized insurer must pay his share of the agency’s operating costs, proportionally to the amount of the direct gross premiums collected for automobile insurance in Québec. 1977, c. 68, s. 179; 1982, c. 52, s. 51; 1989, c. 47, s. 10; 2002, c. 45, s. 172; 2004, c. 37, s. 90.
Section 179Verify source
§ 179.1Section 179.1Provision

The Autorité des marchés financiers may share specified driver, accident, vehicle, claim, and liability information with certain insurers or the Société when the stated conditions are met, and the information may be used only for classification and rate-setting based on risk.

179.1. The Autorité des marchés financiers may communicate the following information to the authorized insurer or firm registered for the damage insurance sector who so requests for the purpose of issuing or renewing an automobile insurance policy: (1) the driver’s licence number of the person submitting an application for insurance and of the regular drivers of his automobile; (2) the date of any accident in which those persons have been involved as the driver or owner of an automobile; (3) the description of the accident and the coverage affected; (4) the class of use of the vehicle of which the person concerned had custody at the time of an accident; (5) the description of the vehicle of which the person concerned had custody at the time of an accident; (6) the amount of the indemnities paid under an automobile insurance contract entered into by every person concerned; (7) the outstanding claims; (8) the percentage of liability assumed by the persons. That information may be communicated at the time a person expresses the intention to apply for or renew an automobile insurance policy with an insurer or firm registered for the damage insurance sector; that information may only be used for purposes of classification and rate application based on the risk the person represents. If the insurer issues a policy, the information referred to in the first paragraph is presumed to have been confirmed by that person, subject to any other circumstances the person is required to declare in that respect, and the obligation relating to that declaration is presumed to have been properly discharged. The Autorité des marchés financiers may, at the request of the Société, communicate to the Société the same information if it is necessary for the purposes of section 22 of the Act respecting owners, operators and drivers of heavy vehicles (chapter P-30.3). The Authority may also, on the conditions it determines, authorize the agency designated in section 178 to make such communications on its behalf. 1989, c. 47, s. 11; 1999, c. 22, s. 37; 2002, c. 45, s. 173; 2004, c. 37, s. 90; 2005, c. 39, s. 52; 2018, c. 23, s. 654; 2021, c. 34, s. 3.
Section 179.1Verify source
§ 179.2Section 179.2Provision

An insurer or registered damage-insurance firm must tell the insured in writing, when issuing or renewing an automobile policy, that it requested and obtained information from the Autorité des marchés financiers under section 179.1 if that is the case.

179.2. Every insurer or firm registered for the damage insurance sector must, on issuing or renewing an automobile insurance policy, inform the insured in writing that he has requested and obtained information from the Autorité des marchés financiers under section 179.1, where such is the case, in order to determine the rates applied to him. 1989, c. 47, s. 11; 2002, c. 45, s. 174; 2004, c. 37, s. 90; 2021, c. 34, s. 4.
Section 179.2Verify source
§ 179.3Section 179.3Provision

After paying an indemnity following a claim, the insurer must send the insured a written notice about the liability percentage and the amounts paid, and must tell the insured they do not have to accept the indemnity and may go to court to contest the liability percentage.

179.3. On payment of an indemnity subsequent to a claim, the insurer must notify the insured in writing of the percentage of liability attributed to him pursuant to the direct compensation agreement contemplated in section 173 and specify the amounts paid to him under that part of the policy pertaining to liability insurance and under that part of the policy pertaining to insurance of the damage caused to the insured vehicle. The notice must also indicate to the insured that he is not bound to accept the indemnity and that he may apply to the court, in accordance with the ordinary rules of law, to contest the percentage of liability attributed to him. 1989, c. 47, s. 11; 2025, c. 16, s. 165.
Section 179.3Verify source
§ 180Section 180Provision

Every authorized insurer must file a copy of its rate manual with the Autorité des marchés financiers on the dates and in the form it determines.

180. Every authorized insurer must file a copy of its rate manual with the Autorité des marchés financiers on the dates and in the form the Autorité des marchés financiers determines. The rate manual is a manual that is made up of the documents of an authorized insurer in which his rules of classification of risks and the premiums applicable to each are identified and defined. 1977, c. 68, s. 180; 1982, c. 52, s. 51; 1989, c. 15, s. 13; 2002, c. 45, s. 175; 2004, c. 37, s. 90; 2008, c. 7, s. 12; 2018, c. 23, s. 655.
Section 180Verify source
§ 181Section 181Provision

Every authorized insurer must provide the Autorité des marchés financiers with proof it demands about matters in the insurer’s rate manual.

181. Every authorized insurer must furnish such proof to the Autorité des marchés financiers as it may demand regarding any matter or matters in his rate manual. 1977, c. 68, s. 181; 1982, c. 52, s. 51; 2002, c. 45, s. 176; 2004, c. 37, s. 90.
Section 181Verify source
§ 181.1Section 181.1Offence

If an authorized insurer is brought to the Autorité des marchés financiers’ attention for failing to comply with section 180 or 181, the Authority may impose a monetary administrative penalty of up to $1,000 once the facts are established.

181.1. If it is brought to its attention that an authorized insurer has failed to comply with section 180 or 181, the Autorité des marchés financiers may, once the facts have been established, impose on that authorized insurer a monetary administrative penalty not exceeding $1,000. Sections 495 and 497 to 512 of the Insurers Act (chapter A-32.1) apply, with the necessary modifications, if the Autorité des marchés financiers imposes such a penalty. 2018, c. 23, s. 656.
Section 181.1Verify source
§ 182Section 182Provision

The Autorité des marchés financiers must analyze specified insurer experience data and rate manuals when received, and must publish an online report on its analysis by 30 June each year.

182. On receiving the data and information concerning the experience of insurers and the rate manuals contemplated in this title, the Autorité des marchés financiers must analyze them. Not later than 30 June each year, the Autorité des marchés financiers shall make available online a report on the results of its analysis of the data and manuals furnished to it in the preceding year. 1977, c. 68, s. 182; 1982, c. 52, s. 51; 1989, c. 47, s. 12; 2002, c. 45, s. 177; 2004, c. 37, s. 90; 2008, c. 7, s. 13; 2026, c. 5, s. 348.
Section 182Verify source
§ 183Section 183Provision

The Autorité des marchés financiers must let any person who asks examine the rate manuals it has filed.

183. The Autorité des marchés financiers must allow every person requesting it to examine the rate manuals filed with it. 1977, c. 68, s. 183; 1982, c. 52, s. 51; 2002, c. 45, s. 178; 2004, c. 37, s. 90.
Section 183Verify source
§ 183.1Section 183.1Provision

Section 178 applies despite section 65 of the listed access-to-documents and personal-information Act.

183.1. Section 178 applies notwithstanding section 65 of the Act respecting Access to documents held by public bodies and the Protection of personal information (chapter A-2.1). 1989, c. 47, s. 13.
Section 183.1Verify source
§ 184Section 184Provision

A person must not knowingly obtain or receive indemnities or expense reimbursements that are not authorized under the Act or regulations.

184. No person shall knowingly obtain or receive, directly or indirectly, the payment of indemnities or the reimbursement of expenses that he is not entitled to obtain or receive under this Act or the regulations. Every person who contravenes this section is liable to a fine of not less than $325 nor more than $2,800. 1977, c. 68, s. 184; 1986, c. 58, s. 6; 1991, c. 33, s. 6; 1992, c. 61, s. 60.
Section 184Verify source
§ 185Section 185Offence

A person must not knowingly aid or abet another person in committing an offence covered by section 184.

185. No person shall knowingly aid or abet another person in committing an offence contemplated in section 184. Every person who contravenes this section is liable to a fine of not less than $325 nor more than $2,800. 1977, c. 68, s. 185; 1986, c. 58, s. 7; 1991, c. 33, s. 7; 1992, c. 61, s. 60.
Section 185Verify source
§ 186Section 186Offence

Certain vehicle owners or operators who do not have compulsory liability insurance commit an offence and face a fine; a peace officer who evidences such an offence must report it to the Société without delay.

186. Except in the case provided for in section 94, the owner of an automobile or an owner or operator subject to Title VIII.1 of the Highway Safety Code (chapter C‐24.2) who has not contracted the compulsory liability insurance is guilty of an offence and is liable to a fine (1) of not less than $325 nor more than $2,800 if he is an owner who uses or allows another person to use his automobile; (2) of not less than $750 nor more than $7,300 if he is an owner or operator to which Title VIII.1 of the Highway Safety Code applies who uses or allows another person to use his motor vehicle. The peace officer who evidences an offence contemplated in this section must report it to the Société without delay. In any proceedings instituted under this section, the burden is on the defendant or accused to prove that he has contracted the compulsory liability insurance. 1977, c. 68, s. 186; 1980, c. 38, s. 18; 1982, c. 59, s. 34; 1986, c. 58, s. 8; 1987, c. 94, s. 105; 1990, c. 19, s. 11; 1990, c. 4, s. 68; 1991, c. 33, s. 8; 1998, c. 40, s. 53; 2002, c. 29, s. 78.
Section 186Verify source
§ 187Section 187Provision

If an automobile’s owner has not taken out liability insurance, the driver may be fined, unless the driver acted in good faith and had reason to believe insurance existed.

187. Where the owner of an automobile or another person on his behalf has not taken out liability insurance, the driver of that automobile is liable to a fine of not less than $325 nor more than $2,800, unless he is in good faith and had been given reason to believe that such insurance had been taken out. In any proceedings instituted under this section, the burden is on the defendant or accused to prove that liability insurance had been contracted for the automobile he was driving. 1977, c. 68, s. 187; 1982, c. 59, s. 35; 1986, c. 58, s. 9; 1991, c. 33, s. 9; 1992, c. 61, s. 60.
Section 187Verify source
§ 188Section 188Provision

The judge may suspend a convicted person’s driver’s permit for up to one year in the cases covered by sections 186 and 187.

188. In the cases provided for in sections 186 and 187, the judge seized of the suit may, in addition, declare the suspension, for a period not exceeding one year, of the driver’s permit of the person convicted. Prior notice of the application for suspension shall be given to the person by the prosecutor, except where the parties are in the presence of the judge. Where proof is made to the satisfaction of the judge that the person convicted must drive a specific automobile or a specific type of automobile in carrying on his principal means of livelihood, the judgment may allow such person to drive an automobile or such type of automobile solely in carrying on his principal means of livelihood. In such cases, the judge must immediately send the suspended permit to the Société and notify it that it may issue a special permit in accordance with the judgment so long as the ordinary conditions for obtaining a permit are met. 1977, c. 68, s. 188; 1980, c. 38, s. 18; 1981, c. 7, s. 546; 1990, c. 19, s. 11; 1992, c. 61, s. 61.
Section 188Verify source
§ 189Section 189Repeal

Section 189 is repealed.

189. (Repealed). 1977, c. 68, s. 189; 1982, c. 59, s. 69; 1990, c. 19, s. 11; 1992, c. 61, s. 62.
Section 189Verify source
§ 189.1Section 189.1Provision

An insurer must not use, or allow the use of, information received under section 179.1 for any purpose other than classification or rate application. A breach exposes the insurer to a fine of $575 to $5,750.

189.1. Any insurer who uses or tolerates the use of any information transmitted to him under section 179.1 otherwise than for purposes of classification or rate application is liable to a fine of not less than $575 nor more than $5,750. 1989, c. 47, s. 14.
Section 189.1Verify source
§ 189.2Section 189.2Provision

A person who knowingly discloses, shares, or allows sharing of information covered by section 179.1 without the required authorization or order is liable to a fine of $200 to $1,000.

189.2. Any person who, knowingly, gives access to any information transmitted under section 179.1, communicates such information or permits the communication thereof without having obtained the authorization of the person concerned to disclose such information to a person determined or without having received the order of a person or body having the power to compel its communication is liable to a fine of not less than $200 nor more than $1,000. 1989, c. 47, s. 14.
Section 189.2Verify source
§ 190Section 190Provision

A person who contravenes certain listed sections is liable to a fine of not less than $700 and not more than $7,000.

190. The person who contravenes sections 83.10, 83.15, 97, 174, 177 to 179, and 179.2 to 181 is liable to a fine of not less than $700 nor more than $7,000. 1977, c. 68, s. 190; 1986, c. 58, s. 10; 1989, c. 15, s. 14; 1989, c. 47, s. 15; 1991, c. 33, s. 10; 1992, c. 61, s. 60.
Section 190Verify source
§ 190.1Section 190.1Provision

A person who contravenes the fifth paragraph of section 83.24 is liable to a fine of $300 to $600.

190.1. Any person who contravenes the provisions of the fifth paragraph of section 83.24 is liable to a fine of not less than $300 nor more than $600. 1993, c. 56, s. 18.
Section 190.1Verify source
§ 191Section 191Provision

A person who is required to do so must surrender a certificate or duplicate issued under the Act, or face a fine.

191. Any person who fails to surrender, when so required, a certificate or a duplicate issued under this Act is liable to a fine of not less than $325 nor more than $2,800. 1977, c. 68, s. 191; 1986, c. 58, s. 11; 1991, c. 33, s. 11; 1992, c. 61, s. 60.
Section 191Verify source
§ 192Section 192Provision

A person must not use a certificate of insurance after the insurance or coverage has been annulled, cancelled, or expired, unless they have a reasonable excuse.

192. Any person who, without reasonable excuse, the proof of which devolves upon him, uses a certificate of insurance after the annulment, cancellation or expiry of the insurance or of the coverage mentioned therein, is liable to a fine of not less than $325 nor more than $2,800. 1977, c. 68, s. 192; 1986, c. 58, s. 12; 1991, c. 33, s. 12; 1992, c. 61, s. 63; 2008, c. 14, s. 109.
Section 192Verify source
§ 193Section 193Offence

A person who breaches an Act or regulation, where no other penalty is specifically provided, is liable to a fine of up to $1,400.

193. Any person who infringes a provision of this Act or the regulations for the violation of which no penalty is specially provided, is liable to a fine not exceeding $1,400. 1977, c. 68, s. 193; 1986, c. 58, s. 13; 1990, c. 4, s. 69; 1991, c. 33, s. 13; 1992, c. 61, s. 60.
Section 193Verify source
§ 193.1Section 193.1Offence

The Autorité des marchés financiers may institute penal proceedings for an offence under Title VII.

193.1. Penal proceedings for an offence under Title VII may be instituted by the Autorité des marchés financiers. 2008, c. 7, s. 14.
Section 193.1Verify source
§ 193.2Section 193.2Provision

If the Autorité des marchés financiers has taken charge of the prosecution, the court’s fine is remitted to it.

193.2. The fine imposed by the court is remitted to the Autorité des marchés financiers if it has taken charge of the prosecution. 2008, c. 7, s. 14.
Section 193.2Verify source
§ 193.3Section 193.3Offence

Penal proceedings for certain offences must be brought within three years from the opening of the investigation record, and in any case cannot be instituted after five years from the date of the offence.

193.3. Penal proceedings for an offence under any of sections 177 to 181 of Title VII are prescribed three years from the date the investigation record relating to the offence was opened. However, no proceedings may be instituted if more than five years have elapsed since the date of the offence The certificate of the secretary of the Autorité des marchés financiers indicating the date on which the investigation record was opened constitutes conclusive proof of the date, in the absence of any evidence to the contrary. 2008, c. 7, s. 14.
Section 193.3Verify source
§ 194Section 194Repeal

Section 194 is repealed.

194. (Repealed). 1977, c. 68, s. 194; 1990, c. 4, s. 70; 1992, c. 61, s. 64.
Section 194Verify source
§ 195Section 195Repeal

The Société may make regulations for Titles I and II.

195. The Société may make regulations for the purposes of Titles I and II (1) to specify or to restrict the meaning of the definition of the expression “person resident in Québec”; (2) to define, for the purposes of subparagraph 1 of the first paragraph of section 10, the expression “a device that can be operated independently”; (3) to define, for the purposes of the definition of “public highway” in section 1 and of subparagraph 2 of the first paragraph of section 10, the words “farm tractor”, “farm trailer”, “specialized vehicle” and “drawn machinery”; (4) to define, for the purposes of the definition of “public highway” in section 1 and of subparagraph 3 of the first paragraph of section 10, the words “snowmobile” and “vehicle intended for use off a public highway”; (4.1) to define, for the purposes of subparagraph 5 of the first paragraph of section 10, the expressions “motor-assisted bicycle”, “motorized mobility aid” and “motorized personal mobility device”; (5) to specify the cases where and the conditions on which an employment is deemed to be full-time, part-time or temporary; (6) to establish the manner of determining the gross income that a salaried worker or self-employed worker derives from his employment; (7) to establish the manner of determining the gross income for the purposes of section 17; (8) to establish the manner of determining the gross income for the purposes of section 21; (9) to identify classes of employments, determine gross incomes on a weekly or yearly basis corresponding to each class according to work experience and establish the manner of reducing such incomes to take into account the fact that the victim holds a part-time employment, for the purposes of sections 15, 20 and 31; (9.1) to determine the catastrophic injuries or sequelae and to prescribe rules for evaluating them; (9.2) to prescribe the method for computing the income replacement indemnity paid under the second and third paragraphs of section 40 and the related rules and terms; (10) to establish the standards and procedures for determining an employment for a victim for the purposes of sections 45 and 48, identifying classes of employments, determining gross incomes on a yearly or weekly basis corresponding to each class according to work experience, and to establish the manner of reducing such incomes to take into account the fact that a victim holds a part-time employment; (11) to establish the method for computing the net income of a victim and the amount equivalent to the income tax, the premium and the contribution referred to in section 52; (11.1) to determine the amount of the lump sum indemnity for funeral expenses referred to in section 70; (12) to determine the injuries, the functional or cosmetic sequelae and the minimum eligibility requirements applicable to the compensation of non-pecuniary damage under section 73 and to prescribe rules for evaluating non-pecuniary damage and rules for fixing indemnity amounts; (13) (paragraph replaced); (14) (paragraph replaced); (15) to determine the cases and conditions entitling a person to the reimbursement of the expenses referred to in section 83.2 and to fix the maximum amount thereof; (16) to determine what expenses may be reimbursed to a victim under the second paragraph of section 83.2; (17) to establish the amounts paid to reimburse the cost of a health professional’s expert report to a person whose application for reconsideration, application for review or proceeding before the Administrative Tribunal of Québec is allowed; (18) to prescribe conditions and a computation method for the determination of personal home assistance needs and the amount to be reimbursed and to prescribe the cases in which and the conditions subject to which the Société may replace the reimbursement of expenses by an equivalent weekly allowance; (18.1) to determine the maximum reimbursement amounts for expenses incurred by a victim for personal assistance referred to in section 79; (19) to prescribe the cases and conditions which give entitlement to the reimbursement of expenses or an availability allowance and to determine the maximum amount of such reimbursement and allowance; (20) to determine the rules that a person applying for compensation must observe; (21) to determine the rules that a health professional must observe when examining a person at the request of the Société; (22) (paragraph repealed); (23) to determine the conditions on which the Société may authorize the transmission of a document by means of a magnetic medium or an electronic system; (24) to determine the rules of procedure applicable to the examination of matters under the jurisdiction of the Société; (25) to determine the manner in which a person’s debt may be deducted from any sum due to that person by the Société; (26) (paragraph repealed); (27) to determine the indemnity provided for in section 80, which may vary according to the number of persons contemplated in the first paragraph of that section, and to prescribe in what cases and on what conditions the indemnity is adjusted according to the variation in that number of persons; (27.1) to determine the maximum amounts up to which the expenses referred to in section 83 may be reimbursed, which may vary according to the number of persons contemplated in the first paragraph of that section, and to prescribe in what cases and on what conditions the reimbursement is adjusted according to the variation in that number of persons; (28) to define, for the purposes of the second paragraph of section 48, the expressions “employment normally available” and “region where the victim resides”; (29) to prescribe the cases and conditions in which and on which the income replacement indemnity contemplated in section 83.30 may be adjusted according to variations in the number of dependants; (30) to prescribe the terms and conditions of payment to dependants of the indemnity contemplated in section 83.30; (31) to determine the standards and methods allowing the computation of the number of offences or the number of demerit points to be taken into account and limiting the period to be taken into consideration in fixing or computing insurance contributions under sections 151, 151.2 and 151.3; (32) to determine the standards and methods permitting to limit the period to be taken into consideration in fixing or computing insurance contributions under sections 151, 151.2 and 151.3; (33) to determine the professional orders whose members are health professionals for the purposes of Chapter VI of Title II; (34) to prescribe rules, conditions and a method applicable to the computation of a single-payment indemnity paid under section 83.22; (35) to prescribe cases requiring the payment of interest by the Société; (36) to determine rules governing the application of Chapter II of Title IV as well as rules for the determination of the deductibles provided for in sections 145 and 148 and to prescribe the reimbursement of other expenses to victims, the maximum amount that may be so reimbursed and the conditions for reimbursement. 1977, c. 68, s. 195; 1982, c. 59, s. 36; 1986, c. 91, s. 663; 1989, c. 15, s. 15; 1990, c. 19, s. 11; 1990, c. 83, s. 249; 1991, c. 58, s. 22; 1997, c. 43, s. 57; 1999, c. 40, s. 26; 1999, c. 22, s. 38; 2018, c. 7, s. 176; 2022, c. 13, s. 17.
Section 195Verify source
§ 195.1Section 195.1Provision

The Société may make regulations about defined terms, axle-counting, axle or mass changes during vehicle registration, and reimbursement rules or amounts for certain insurance contributions.

195.1. The Société may, by regulation, (1) define, in relation to the fixing and computing of the insurance contribution exigible for obtaining the registration of a road vehicle and in relation to the fixing and computing of the insurance contribution exigible under section 31.1 of the Highway Safety Code (chapter C-24.2), the terms “axle” and “net mass” and establish a method for calculating the number of axles of a road vehicle as well as rules governing any increase in the number of axles or any change in the net mass during the period of registration of the vehicle; (2) prescribe the cases and conditions giving entitlement to the reimbursement of part of the insurance contribution fixed or calculated under any of sections 151 to 151.3.1 and establish the calculation method or fix the exact amount of the insurance contribution to be reimbursed. 1989, c. 15, s. 15; 1990, c. 19, s. 9; 1990, c. 19, s. 11; 1990, c. 83, s. 250; 2019, c. 18, s. 218.
Section 195.1Verify source
§ 196Section 196Repeal

The Government may make regulations to determine matters assigned to regulation under the Act, narrow or expand the definitions of “automobile” and “resident” for the Act, and exempt some automobile owners from section 84, subject to conditions. The automobile and resident definition powers do not apply to Title II.

196. The Government may, by regulation, (a) determine what must be determined by regulation of the Government under this Act; (b) specify or restrict the definition of the word “automobile” for the purposes of this Act, except Title II; (c) exempt owners of the categories of automobiles it indicates from the obligation of section 84, in whole or in part and on the conditions it determines; (d) specify or restrict the definition of the word “resident” for the purposes of this Act, except Title II; (e) (paragraph repealed); (f) (paragraph repealed). 1977, c. 68, s. 196; 1977, c. 5, s. 14; 2008, c. 14, s. 110.
Section 196Verify source
§ 197Section 197Provision

The Government must approve the Société’s regulations, except regulations made under the listed sections.

197. Regulations of the Société must be approved by the Government, except those made under sections 151 to 151.3.1, paragraphs 31 and 32 of section 195 and section 195.1. 1977, c. 68, s. 197; 1977, c. 5, s. 14; 1986, c. 91, s. 664; 1990, c. 19, s. 11; 2004, c. 34, s. 20; 2018, c. 7, s. 177; 2019, c. 18, s. 219.
Section 197Verify source
§ 198Section 198Provision

198. The owner of an automobile is deemed to have contracted the insurance required by this Act if he shows proof of a contract of liability insurance taken out with an insurer before 1 March 1978, and this presumption holds for as long as

198. The owner of an automobile is deemed to have contracted the insurance required by this Act if he shows proof of a contract of liability insurance taken out with an insurer before 1 March 1978, and this presumption holds for as long as the contract is in force. 1977, c. 68, s. 198; 1999, c. 40, s. 26.
Section 198Verify source
§ 199Section 199Provision

The section changes an insurer’s obligations under an existing insurance contract and bars using that change to raise the premium or cancel the contract.

199. This Act entails a change pleno jure, within the limits of its provisions, in the obligations of an insurer under a contract of insurance in force. Such change shall not justify any increase of the amount of the premium fixed by the contract, nor its cancellation. If the obligations of an insurer under a contract in force are reduced, the premium provided for with regard to such contract must be adjusted accordingly. If the premium has been paid in advance, the amount of adjustment must be remitted within three months unless the insured accepts during that period to be credited with the amount. 1977, c. 68, s. 199.
Section 199Verify source
§ 200Section 200Provision

Suspensions imposed before 1 March 1978 under section 22 of the Highway Victims Indemnity Act are cancelled, and the related proof of financial responsibility is no longer required.

200. Every suspension imposed before 1 March 1978 in accordance with section 22 of the Highway Victims Indemnity Act (chapter I-5) is cancelled on such date and the proof of financial responsibility required under such section shall no longer be required. 1977, c. 68, s. 201.
Section 200Verify source
§ 201Section 201Repeal

Section 201 is repealed.

201. (Repealed). 1977, c. 68, s. 202; 1981, c. 7, s. 536; 1981, c. 7, s. 547; 1982, c. 59, s. 60; 1982, c. 59, s. 33.
Section 201Verify source
§ 202Section 202Provision

The Government appoints the original 13-member board of directors for one year, and the directors must call a general meeting of authorized insurers before their term ends to elect the board members under section 159.

202. The original board of directors of the Groupement established by Title VI of this Act is composed of 13 members appointed by the Government for a period of one year. Before the expiry of their term, the directors must call a general meeting of authorized insurers for the purpose of electing the members of the board of directors provided for in section 159. 1977, c. 68, s. 215; 1977, c. 5, s. 14; 1999, c. 40, s. 26.
Section 202Verify source
§ 202.1Section 202.1Provision

The Société may alter the exigible sums fixed under section 151, but only with Government approval and without actuarial valuation.

202.1. Notwithstanding section 151, the Société, without actuarial valuation but with the approval of the Government, may alter the exigible sums fixed under that section which are in force on 23 April 1985. The alteration has effect from 24 April 1985 but does not apply to a person who before that date received a renewal notice respecting a registration or a driver’s licence and who paid the exigible amounts before 16 June 1985. 1986, c. 15, s. 1; 1990, c. 19, s. 11.
Section 202.1Verify source
§ 202.2Section 202.2Provision

The first regulation made after 26 May 1986 under paragraph n of section 195 is not subject to the first paragraph of section 197, and it takes effect from 24 April 1985.

202.2. The first regulation made after 26 May 1986 under paragraph n of section 195 is not subject to the first paragraph of section 197 and has effect from 24 April 1985. 1986, c. 15, s. 1.
Section 202.2Verify source
§ 203Section 203Provision

203. This Act applies to the Government. 1977, c. 68, s. 243; 1977, c. 5, s. 14.

203. This Act applies to the Government. 1977, c. 68, s. 243; 1977, c. 5, s. 14.
Section 203Verify source
§ 204Section 204Provision

The Minister of Transport is responsible for administering the Act, except for Titles VI and VII and sections 193.1 to 193.3, which are administered by the Minister of Finance.

204. The Minister of Transport is responsible for the administration of this Act, except for the provisions of Titles VI and VII and sections 193.1 to 193.3, the administration of which falls under the authority of the Minister of Finance. 1977, c. 68, s. 244; 1993, c. 56, s. 19; 2008, c. 7, s. 15.
Section 204Verify source
§ 205Section 205Provision

Section 205 ceased to have effect on 17 April 1987.

205. (This section ceased to have effect on 17 April 1987). 1982, c. 21, s. 1; U. K., 1982, c. 11, Sch. B, Part I, s. 33.
Section 205Verify source
§ ISchedule IRepeal

(Repealed). 1989, c. 15, Schedule I; 2022, c. 13, s. 18.

(Repealed). 1989, c. 15, Schedule I; 2022, c. 13, s. 18.
§ IISchedule IIRepeal

This schedule is repealed.

(Repealed). 1989, c. 15, Schedule II; 2022, c. 13, s. 18.
Section IIVerify source
§ IIILUMP SUM INDEMNITY TO DEPENDANT OF DECEASED VICTIMProvision

This schedule sets the lump sum indemnity amount for a dependant of a deceased victim based on the dependant’s age.

Age of dependant Amount of (years) indemnity ($) Less than 1 $35,000 1 $34,000 2 $33,000 3 $32,000 4 $31,000 5 $30,000 6 $29,000 7 $28,000 8 $27,000 9 $26,000 10 $25,000 11 $24,000 12 $23,000 13 $22,000 14 $21,000 15 $20,000 16 or over $19,000 1989, c. 15, Schedule III.
Section IIIVerify source
§ —ScheduleRepeal

This schedule states that most of chapter 68 of the statutes of 1977 is repealed, with listed sections excepted, and the repeal takes effect when the relevant chapter A-25 consolidation or update comes into force.

In accordance with section 17 of the Act respecting the consolidation of the statutes (chapter R-3), chapter 68 of the statutes of 1977, in force on 31 December 1977, is repealed, except sections 200, 203 to 214, 216 to 242 and 245, effective from the coming into force of chapter A-25 of the Revised Statutes. In accordance with section 17 of the Act respecting the consolidation of the statutes and regulations (chapter R-3), sections 1 to 4, 6 to 70, 74 to 92, 94 to 150, 153, 156 to 194, paragraphs a to m and o to t of section 195, paragraphs c to f of section 196, sections 197 to 199, 201 to 213, 215 to 223, 225 to 240 and 242 to 244 of chapter 68 of the statutes of 1977, in force on 1 June 1979, are repealed, effective from the coming into force of the updating to 1 June 1979 of chapter A-25 of the Revised Statutes.

Legislative relationships

7 referenced instruments

Names are derived from the stored provision headings and citation-enrichment layer. Treat this as a research index and verify each relationship against the source text.

G–M

5 instruments

  • Government under this Act

    Section 196
  • Groupement established by Title VI of this Act

    Section 202
  • Highway Safety Code

    Sections 149, 149.7, 151, 151.1, 151.2, 151.3, 186, 195.1
  • Highway Victims Indemnity Act

    Section 200
  • Insurers Act

    Section 181.1

N–S

1 instrument

  • Revised Statutes. In accordance with section 17 of the Act

    Section Schedule

T–Z

1 instrument

  • Transport is responsible for administering the Act

    Section 204

Recorded versions and source checkpoint

1 version available in this collection

Current-law checkpoint
  • 10 Jun 2026 · currentEnglish

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