How does Quebec's public insurance work regarding traffic accidents?

Quebec's public insurance system, known as the Société de l'assurance automobile du Québec (SAAQ), offers a unique approach to traffic accident coverage that includes injury protection regardless of fault. This structure ensures that individuals involved in traffic accidents receive benefits for their injuries without needing to determine liability first. This feature is integral to the public insurance model in Quebec, as it prioritizes the well-being of injured parties over the complexities of fault determination.

This means that if a driver, pedestrian, or cyclist is injured in a traffic accident, they are entitled to coverage for their injuries no matter who caused the accident. The intention is to provide prompt and fair compensation for medical expenses and rehabilitation, thereby reducing the burden on individuals to navigate the legal fault aspects immediately after an accident. This model contrasts with many private insurance systems, where coverage effectiveness often hinges on establishing fault first before any claims are paid out.

The other response options do not accurately reflect the principles of Quebec's system, which is built around universal injury coverage and the notion of protective insurance for motorists and pedestrians alike.