Why does my insurer pay when the other driver is at fault?
Auto
That’s the Direct Compensation Agreement. For an accident in Quebec between at least two vehicles whose owners are different and identified, each driver claims from their own insurer, based on their share of fault. If you’re not at fault, there’s no deductible.
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