Quebec's no-fault insurance covers:

Question: Quebec's no-fault insurance covers:

Answer options:

• Vehicle damage only ✅ Bodily injury regardless of fault, through the SAAQ
• Nothing
• Only collisions with other cars

Correct answer: Bodily injury regardless of fault, through the SAAQ

Explanation: Quebec’s public automobile insurance plan, administered by the SAAQ, operates on a no-fault principle that exclusively covers bodily injuries resulting from traffic accidents, regardless of who is responsible. The incorrect options are wrong because the SAAQ public plan does not cover property or vehicle damage, which must instead be covered through private insurance providers. Under the Highway Safety Code, this division ensures all citizens receive medical and rehabilitative compensation. Understanding the distinction between public bodily injury coverage and private property liability is a fundamental concept frequently tested on the Quebec Class 5 theory exam to ensure drivers understand their legal insurance requirements.