Frequently Asked Questions About Car Insurance


Yes, you can choose which shop repairs your vehicle. If you need help choosing, we work with a network of approved auto repair and body shops that can assess the damage and carry out the needed repairs.

See our list of approved repair and body shops.

The vehicle owner. You are the only one who can authorize repairs to your damaged vehicle during the whole claim process. The selected repair shop will have you sign a document authorizing repair of your vehicle.

The vast majority of our network of body shops and dealers offer courtesy vehicles while repairs are being made to your vehicle.

If, however, a courtesy vehicle is not made available, a rental car is covered by Q.E.F. 20 Loss of Use Extension Endorsement that can be added to Section B. It allows for the reimbursement of rental fees for a replacement vehicle while the damaged vehicle is being repaired. Receipts are required and the claim must be covered under Section B. This coverage is subject to the insurance amount limit mentioned in the Declarations of your insurance contract.

If you don't have this endorsement and are not responsible for a collision subject to the Direct Compensation Agreement (see criteria under the question "Who pays for damage to my vehicle..."), La Capitale will pay the necessary fees incurred for a replacement vehicle while your vehicle is not available.

If you assign your claim to the repair shop owner, we will make the payment directly to the repair shop.

Otherwise, the cheque is issued in the designated insured's and the repair shop's name. The cheque will be sent directly to the address indicated in the Declarations of your insurance contract.

  1. Avoid paying a deductible if the break turns into a crack and your windshield needs to be replaced.
  2. Avoid a premium increase: In most cases, the repair won't impact your premium or your insurance file.
  3. Take advantage of an unlimited repair coverage

How the coverage works

When a deductible applies, is it deducted from the indemnity amount. If your vehicle can be repaired, you pay the deductible to the repair shop you’ve chosen for your vehicle.

Changes in insurance premiums at renewal are affected by several factors, such as where you live, vehicle usage, vehicle type, and your driving record. Your record includes an accident history, which includes losses other than collisions. It’s the number of claims in the five years prior to renewal (and not the amount paid in claims) that has an impact on the premium.

If your claim is for a windshield repair, in most cases it won't affect your premium.

You can lend your car to anyone who has a valid driver's licence. If this person has an accident while driving your car, you will receive compensation based on the coverage provided under your car insurance contract. Someone frequently drives your car? Contact your insurer to make sure you’re properly covered!

The Automobile Claims Database catalogues all automobile losses for the last six years, whether or not a claim is filed. It allows your insurer to determine the risk that you represent and establish your premium accordingly.

One of the key principles of insurance resides in finding the right balance, meaning the premium paid must reflect the risk to be insured. To determine the risk, and the car insurance premium amount to be paid, your insurer will look at different criteria, including your credit information.

The claims adjuster collects information during the course of the investigation that allow him or her to determine the responsibility of drivers involved in the accident. The percentage of responsibility of the drivers is determined according to the Drivers' Fault Chart of the Direct Compensation Agreement (PDF - 1,65 MB).

If you have caused damage to a third party in an accident and the Direct Compensation Agreement doesn't apply (for example, you were involved in an accident outside of Quebec or you hit immovable property such as a fence, pole, street lamp, etc.), the third party is likely to claim for damages. Civil Liability Insurance covers you against the financial consequences of this type of accident.

Furthermore, it is preferable to call your insurer when you have an accident, even a minor one.

Damage to the vehicle will normally be assessed within 5 business days, once the case has been assigned.

Since the adoption of the Direct Compensation Agreement by the Groupement des assureurs automobile in 1978, your auto insurance company must pay for repairs according to the terms of the agreement.

In short, if you have an accident and the following three criteria are met, we will pay for repairing your damaged vehicle and we don't have any right to recourse against the insurer of the responsible party.

  • The accident occurs in Quebec.
  • The accident involves at least two vehicles or one vehicle and the load of another vehicle.
  • The vehicle owners are identified.

The same rule applies if you are involved in an accident for which you are responsible. The insurer of the vehicle that you damage has no recourse against La Capitale.

If you are not satisfied with the settlement made in accordance with the agreement, the Automobile Insurance Act provides for your right to go to court.

In the event of a hit-and-run, if you don't have collision insurance in your contract, contact the Compensation fund. The fund reimburses property damage caused to a vehicle by a non-identified third party. In this case, you must provide a police report and a deductible is applicable.

You have no deductibles to pay for a windshield repair.

But if it needs to be replaced, you must pay the deductible.

Changes in insurance premiums at renewal are affected by several factors.

In most cases, a windshield repair won’t have an impact on your insurance premium.

Under the Quebec automobile insurance policy, you are usually responsible for paying the deductible set out in the Declarations of your policy.

However, at La Capitale, we don’t charge a deductible:

  • For a total loss
  • If you are the victim of a hit-and-run (confirmed by a police report) and have collision coverage

Legal problems related to a vehicle

It's important to have a written contract. Make sure you include the following in the document:

  1. your name and that of the buyer
  2. the make and model, the year of manufacture, the mileage and the serial number of the vehicle
  3. information on repairs carried out or known problems
  4. a statement to the effect that the sale is being made with no guarantee against hidden defects or that the vehicle is being bought at the buyer's own risk.

Yes. The Consumer Protection Act allows you to cancel a contract without cost or penalty within two days following the date that you and the renter received a copy of the contract. After the two-day period, the contract can only be cancelled with the dealer's agreement.

Common questions

Your car insurance premium is calculated anew every time you request a quote to an insurance company, as well as with each renewal. Each calculation is personalized based on the information in your file, such as:

  • Where you live
  • Use of the vehicle
  • The type of vehicle for which coverage is required
  • Your credit rating
  • Your claims or accidents during the last several years,
  • etc.

Other external factors come into play when calculating your car insurance premium. Among them, for example, is the price of parts and labour, or an increase or decrease in the number of auto insurance claims in the province.

  • Make sure that your coverage is tailored to your needs. Ask your damage insurance agent for advice: that’s why he or she is there!
  • Notify your insurance company if you are not using your car as often. Your auto insurance premium could decrease if you are putting less mileage on your vehicle.
  • Bundle your car and home insurance with the same insurance company. This way, you may receive a discount on your home and car insurance.
  • Mention that you are a member of a professional association when you ask for an auto insurance quote. You may be eligible for exclusive discounts available to members!
  • Be a safe driver. Your good driving habits can earn you a discount on your auto insurance.
  • Drive an electric or hybrid car. Many insurance companies offer an additional premium discount to drivers of eco-friendly vehicles.

Statistics have proven that a person who makes an auto insurance claim is more likely to make another one in the following years. When submitting a claim or renewing your auto insurance, insurance companies will therefore check the number of accidents entered in your file at the Automobile Claims Database (FCSA) to determine your risk level. The more accidents you have on file, the higher the risk of being involved in another one and the more your car insurance rates are likely to increase.

One of the key principles of insurance is fairness. In other words, the premium paid must reflect the risk to be insured. Your credit information is part of the factors taken into account by your auto insurance company to determine this risk and your car insurance premium.

Need to make a car insurance claim related to a collision, fire, theft or vandalism?

Feel free to contact us, even if you’re not sure whether you need to file an insurance claim. We’re here to reassure you and help you take stock of the situation, as well as support you at every step of the claim process.

Did your vehicle’s glass break? You don’t need to call us. Take your vehicle as soon as possible to one of our approved glass repair experts. The repair expert will send us the information we need.

See the procedure to follow to settle your claim as soon as possible.

Coverage for civil liability

Your auto insurance must at minimum cover your civil liability, to provide coverage for damage caused to third parties or if your car is damaged as a result of an accident for which you are not at fault.

$1M of third party liability coverage is generally recommended with car insurance. Driving outside Quebec? It is recommended to increase this coverage to $2M.

Property damage coverages

You can add additional insurance coverage to your auto insurance policy to cover property damage to your car in the following situations:

  • A collision for which you are at fault or when you are the victim of a hit-and-run
  • For fires, theft, vandalism or glass breakage
  • In all these situations (comprehensive coverage)

Other worthwhile options for your car insurance

  • "Replacement Value" coverage
    This insurance coverage is an interesting option if you have a new car. It allows you to obtain a waiver of depreciation.
    In the event of a partial loss, the insurer uses new parts to replace damaged parts that cannot be repaired.
    In the event of a total loss, you get a new car with the same features as those of the insured car.
  • Claim Forgiveness Coverage
    Avoid premium increases resulting from one or even two auto insurance claims!
    Claim Forgiveness Coverage
  • Purchase price option for used cars
    Be compensated based on the price you paid for your used car in the event of a total loss!
    Purchase price option for used cars
  • $0 deductible option
    With this car insurance coverage, you’ll have no deductible to pay in the event of a claim
  • Complete roadside assistance service
    For your car, anywhere in Canada and the United States, regardless of who's driving!
    Complete roadside assistance service
  • Travel costs
    Should an accident deprive you of your car for several days, this benefit covers the rental cost of a replacement car or public transportation or taxi expenses. If you are far from home, additional accommodation expenses are also covered. Verify the maximum amount included under your auto insurance contract.
  • Borrowed or short-term rented car
    This car insurance protection covers you against damage you cause to a borrowed or short-term rental car. It avoids you paying additional car insurance costs to the vehicle rental company.

To be covered under auto insurance, the item must have a link with the use of the device and the insured vehicle. The following are covered under auto insurance:

  • Items that are fastened (and not simply plugged) to the vehicle at the time of the loss (i.e. a luggage rack).
  • Vehicle parts that are removed temporarily or used only seasonally.
  • Items that are used for the maintenance of the vehicle (i.e. a snow brush).
  • Items that can be attached to the lighter only (i.e. a 12-volt compressor).
  • Parts or items purchased to be mounted on the vehicle, but not yet installed.
  1. Give your details to the property owner.
  2. Notify the police and keep the police report number.
  3. Refrain from entering into an agreement to reimburse the owner of the damaged property.
  4. Call our claims department.
  1. Notify the police and keep the police report number.
  2. Notify the Société d’assurance automobile du Québec (SAAQ) at 1 888 810‑2525
  3. If the accident occurs outside the province of Quebec, Canada or the United States, call 1 800 463-6898(toll free)

All Quebec residents who sustain injuries or lose their life in an automobile accident are insured under the public automobile insurance plan administered by the SAAQ, no matter where the accident occurs and whether or not they are deemed at fault.

Reimbursement of expenses related to clothing and accessories damaged in an accident

Any damage sustained to property the victim is wearing at the time of an accident is covered by the SAAQ. This includes clothing, eyeglasses, contact lenses, prostheses and other devices, as well as motorcycle helmets.

The SAAQ applies limits to the amounts covered. If the amount paid by the SAAQ is insufficient, a benefit may be payable by your insurer. To learn more, contact us at 1-800-461-0770 or visit the SAAQ website.