Holidays outside Québec : am I covered if I have a road accident?

  • July 10, 2024
  • Road accident
Victime d'un accident de la route parlant au cellulaire en regardant sa voiture qui est entrée en collision avec un autre véhicule.

The SAAQ insures all Quebecers injured in a road accident, whether in Québec or elsewhere. Here's what you need to know.

If you live in Québec, you’re covered by the public automobile insurance plan administered by the Société de l'assurance automobile du Québec (SAAQ), whether you were:


The plan includes:

Important: The public plan does not replace private liability insurance. It covers you only for personal injury or damage. Neither injuries caused to others nor property damage are covered. The SAAQ recommends that before driving outside the province, you take out private insurance (third-party liability).

If you have an accident

1. Here's what to do if you have a road accident abroad.

If you're in a position to act, gather the information you need. After the accident, stay at the scene. Don’t sign any documents, accept any money or admit any liability until you’ve contacted the SAAQ.

Call the local police and ask for a copy of the accident report.

Take notes:

Take photos of the accident scene (brake marks, injuries, damage).

2. If you‘re not admitted to hospital, see a doctor as soon as possible.

Have all your accident-related symptoms recorded in your medical report, even if they seem minor.

Keep all your receipts and medical documents.

Were you hospitalized abroad following a road accident? The SAAQ may be able to reimburse you for the portion of the costs that the Régie de l'assurance maladie du Québec (RAMQ) does not.

3. Call the SAAQ.

Call 1-800-463-6898 (Canada/United States) or 1-418-646-9884 (elsewhere in the world) as soon as possible, and no later than three years after the accident.

Did the road accident happen while you were on the job? In that case, the Commission des normes, de l'équité, de la santé et de la sécurité du travail (CNESST) will compensate you. You have six months after the accident to file a claim.

Your recourse

If you have any questions about a road accident or a compensation claim, contact the SAAQ or, if the accident is work-related, the CNESST.

Do you disagree with a decision made in your compensation case?

Not satisfied with the services you received from one of these public agencies? Contact the Protecteur du citoyen. Our services are free and confidential.

Also see: Holidays outside Québec: will I have to pay for health services?