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Someone hits your car in

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Quebec.

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Report it to your own insurer

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promptly.

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For a qualifying collision,

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Quebec's Direct Compensation

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Agreement, or DCA, makes your

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insurer the route for your

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not-at-fault share.

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That can apply even without

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optional collision coverage.

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A known uninsured vehicle and

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an unidentified hit-and-run

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need different checks.

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The agreement generally covers

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a Quebec collision involving at

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least two vehicles whose owners

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are identified.

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Exceptions include collisions

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involving only vehicles with

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the same owner.

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The other vehicle being

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uninsured does not, by itself,

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rule out the agreement.

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Ask your insurer to confirm the

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identities, applicable rule,

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and fault percentage in

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writing.

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The DCA not-at-fault payment

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comes through your liability

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coverage, without a deductible.

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Your at-fault share needs

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purchased collision or all

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perils coverage.

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Under the agreement, the

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collision deductible is

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proportional to your

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responsibility.

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Reasonable, necessary loss of

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use expenses can also qualify.

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Keep receipts and confirm

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replacement transport before

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committing to a rental.

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If the responsible vehicle's

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owner remains unidentified, do

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not assume the DCA applies.

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Check your purchased collision

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or all perils coverage and

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deductible.

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Ordinary coverage for perils

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other than collision does not

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cover another car striking

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yours merely because yours was

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parked.

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Preserve camera footage,

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witnesses, and police details,

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identifying the owner may

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change the route.

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Quebec's public automobile

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insurer, commonly called SAAQ,

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has a limited property damage

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route for some hit-and-run

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victims who are not insured for

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that loss.

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Eligibility includes required

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liability insurance and

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registration, other exclusions

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apply.

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A company cannot use this

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route.

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The owner's unlawful driving

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can also exclude a claim.

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This is separate from bodily

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injury compensation.

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Report the accident to police

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within 48 hours and give SAAQ

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detailed notice within 60 days.

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Do not repair before the public

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insurer's designated expert

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assesses the damage.

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Limited legal exceptions can

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excuse late notice or

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reporting, so get advice if you

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missed a deadline.

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Do not assume that makes the

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claim hopeless, or that an

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extension is automatic.

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SAAQ covers only the share for

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which you are not responsible.

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There is a property ceiling of

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$10 ,000 and a deductible of at

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least $500.

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The deductible can be higher

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depending on the vehicle's

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value.

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Ask for the calculation and

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reasons.

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This is not a promise to

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replace your car or repay your

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loan.

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For an insurance claim, send

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the accident details promptly,

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then the documents requested.

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Preserve photos, footage,

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witness details, and receipts.

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Protect the car from further

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damage.

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Allow a reasonable inspection

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opportunity before ordinary

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repairs or removing evidence,

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unless you have written

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consent.

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Tell your insurer before

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signing a private settlement or

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release.

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Standard valuation uses the

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car's actual cash value,

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subject to your endorsements.

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Get the estimate and supporting

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comparables.

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For a disagreement about

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damage, value, or repair

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adequacy, the policy provides

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arbitration on your written

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request.

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Each side normally pays its own

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expert and shares arbitration

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costs.

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Fault or coverage disputes

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require a different analysis.

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Get written reasons.

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Complain to your insurer, then

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request transfer to Quebec's

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financial regulator, the AMF,

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if unresolved.

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Its mediation is voluntary.

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Where the DCA applies, a court

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challenge is against your

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insurer.

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A property refusal by the

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public insurer has a civil

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court route, separate from the

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injury benefits tribunal

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process.

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Get help choosing the right

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proceeding.

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The policy's legal action

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period is three years from when

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the right of action arises.

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Do not assume the clock starts

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only when a denial arrives.

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Complaints do not interrupt the

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court deadline, and the public

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insurer's notice requirements

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are much shorter.

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Get the correct date checked

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early, while you still have

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time to act.

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For free general legal

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information, Legal Hotline's

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Canada number is on your screen

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now.

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Legal Hotline is not a law

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firm.

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Its information line uses AI.

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Lawyer matching is a separate

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service, subject to

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availability and acceptance.

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For advice on your own

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situation, speak with a lawyer

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in your province.

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In immediate danger, contact

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emergency services.