Property damage insurance in Quebec is:

Question: Property damage insurance in Quebec is:

Answer options:

• Optional ✅ Mandatory minimum $50,000 civil liability
• Provided by SAAQ
• Not required

Correct answer: Mandatory minimum $50,000 civil liability

Explanation: Under Quebec's Automobile Insurance Act, all vehicle owners must hold private civil liability insurance with a mandatory minimum of $50,000 to cover property damage. This requirement makes the options claiming it is optional or not required incorrect. While the SAAQ provides public, no-fault coverage for bodily injury, it does not cover property damage, which eliminates the SAAQ as the provider. This hybrid system relies on private insurers to cover property losses. Understanding this distinction and the legal $50,000 minimum is highly relevant for the SAAQ theory test, as insurance regulations are standard exam questions.