Hit-and-run: who pays for my car?
Auto
Your collision coverage (B1 or B2), and the deductible applies unless you have the Q.E.F. 41 endorsement, which waives it up to $1,000. Without collision coverage, the SAAQ may pay up to $10,000, minus $500, if the accident happened in Quebec, with a police report within 48 hours and a claim within 60 days.
A general answer. Your policy always has the final say.
Related questions
A question about your own policy?
This site explains the general rules. Only your insurer can say what your policy covers: ask your agent or broker. This site doesn’t make recommendations. To choose coverage, also talk to a certified professional.
- Check an agent or broker: AMF register, at lautorite.qc.ca
- Insurance information: Autorité des marchés financiers
- General insurance questions: Centre d’information sur les assurances, 514-288-4321 or 1-877-288-4321
- Injuries in a car accident: SAAQ
- Professional conduct: Chambre de l’assurance de dommages