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Car

Insurance

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Drive Protected, Drive Confidently!

Owning a car means having insurance, it’s the law. At JGFA, we make sure you get the right coverage at the best price. Since 1936, we’ve been protecting drivers with expert advice, tailored policies, and a trusted network of insurers.

We cover everything from standard vehicles to off-road, recreational, and luxury cars — plus extras that give you complete peace of mind.

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How to Choose the Right Car Insurance ?

Choosing car insurance can seem complicated. At J Gérard Fortin & Associés, our brokers are here to make the process simple and clear. We assess your specific needs to select the policy, coverage, and additional options best suited to your vehicle. And we are committed to offering you the best price while ensuring exceptional quality coverage.

Why get car insurance?

The Quebec Automobile Insurance Act clearly distinguishes between regulations for victims of bodily injury and those for victims of property damage.

Bodily injury

Whether you are at fault or not, lawsuits are not allowed in Quebec when an accident results in bodily injury. Victims are compensated by the Société de l’assurance automobile du Québec (SAAQ).

Property damage

According to the Quebec Automobile Insurance Act, every car owner must have liability insurance coverage.

If you are uninsured and driving a vehicle, you risk a hefty fine of up to $2,800.00. Furthermore, if you cause an accident and do not have insurance, you may be responsible for paying the damages caused to others.

Types of Coverage

Third Party Liability coverage

This coverage protects you against bodily injury and property damage you may cause to others (outside Quebec). Under the Direct Compensation Agreement, it also covers damage to your vehicle when you are not at fault in an accident.

All Perils coverage

This coverage combines protection for collision or rollover damage with coverage for non-collision-related accidents. The deductible remains the same regardless of the type of damage. While optional, this coverage may be mandatory if your vehicle is leased or financed.

Collision or upset coverage

This coverage protects your vehicle against physical damage caused by collision with another object or if it rolls over. While optional, it may be mandatory if your vehicle is leased or financed.

Comprehensive excluding collision or upset coverage

This coverage protects your vehicle against damages other than collision or rollover, such as broken windows, theft, fire, lightning, vandalism, and other specified perils. It is optional unless required by a financing or leasing agreement. Typically, this coverage is purchased alongside collision coverage if the vehicle still holds significant value.

Specified perils coverage

Also optional, this coverage protects only against the specific perils listed in your policy, such as hail, lightning, and more.
We can offer additional protection through endorsements. For more details, please refer to the “Additional Coverage (Endorsements)” section.

Additional coverages (endorsements)

Endorsements can be added to enhance coverage for a new or used vehicle.

Change to Loss Payment Endorsement

This endorsement protects your new vehicle for the duration specified in your contract. In the event of theft or total loss, if the vehicle is deemed non-repairable, it will be replaced with a new one of the same make and features. If the vehicle can be repaired, this coverage allows the replacement of non-repairable parts with genuine new parts.

Replacement Insurance Coverage

The replacement guarantee previously sold by dealers has been replaced by replacement insurance. Endorsement 43 – Change to Loss Payment remains in effect. If you are considering replacement cost coverage for your vehicle, you have two product options available.

As an insurance product, your insurance broker is a certified expert qualified to guide you through the best coverage options for your vehicle.

Loss of Use Extension Endorsement

If you are involved in an accident and are without your vehicle, your auto policy may cover rental car expenses, taxi fares, or public transportation costs until you regain possession of your vehicle.

Civil Liability for Damage to Non-Owned Automobiles Endorsement (INCLUDING vehicles provided by an employer)

If you use a rented or borrowed vehicle—whether it’s a car, motorhome, or trailer—your civil liability may be engaged, and your auto insurer can cover damages you cause to that vehicle.

Accident Benefits

Accident Benefits (FAQ 34) provides coverage for death, mutilation, and medical expenses for you, your spouse, and any dependent children resulting from bodily injuries sustained in an automobile accident, at minimal cost to the vehicle owner.

Other Useful Coverages

Several other optional coverages are available. Whether you are travelling or storing your vehicle, feel free to contact us. We’ll ensure your auto insurance policy meets your specific needs.

Car insurance claim

If you are involved in an accident and need to file an auto insurance claim, please follow these guidelines. In the case of an accident with injuries, call 911. If there are no injuries, you can use the accident report form (constat amiable). If the police attend the scene, they do not determine fault; it is your insurer who decides liability during the claim settlement. If you do not have an accident report form, be sure to record the other driver’s information (name, address, phone number, driver’s license number, vehicle registration, and insurance certificate). Your insurer will compensate you within a maximum of 60 days after receiving your claim and supporting documents.

If the incident involves theft or a hit-and-run, contact the police to obtain a report number; you must provide us with this number as soon as possible. We will inform you of the next steps and promptly forward your claim to the insurer. We strive to ensure a fair and timely settlement for our clients. We will assess whether a rental vehicle can be provided to you. Throughout the process, we support and represent you in all negotiations with the insurer.

Online Quote Schedule an appointment with a broker

Frequently Asked Questions

I’m having trouble getting insured

An insurer may refuse or limit the coverage on your insurance policy. We can help — we have solutions for you. Working with our specialized insurers, we strive to offer you an opportunity to improve your insurance record or adapt your policy to match the level of risk your situation presents.

We have the resources and expertise to assist you!

How can I lower my insurance premium?

Your credit history can influence the cost of your insurance premium, which is generally determined based on your risk of making a claim. Studies show that if your credit score is low, the likelihood of experiencing a loss and filing a claim is higher. The reverse is also true. Your financial discipline reflects your ability to properly maintain your assets.

Credit information reflects your payment history as well as your financial discipline. Have you always paid your bills on time? This information provides a reliable indication of your ability to maintain and improve your property. Both of these factors are key in preventing material losses and, consequently, insurance claims.

Low income means a bad credit score? Absolutely not. Do not confuse low income with poor credit. You can have a modest income and still maintain an excellent credit score. Likewise, a wealthier person may have a lower credit score. Call us to receive, free of charge, our brochure: Everything You Need to Know About Your Credit and Insurance.

Other factors that can affect your premium include:

  • The coverage and deductibles you choose

  • The make, year, and model of your vehicle

  • Where you live

  • Usage, commuting distance, and annual mileage

  • Number and age of drivers

  • Past claims and infractions

  • Driver experience

  • Your occupation

  • Criminal records or legal history

Tips to help lower your premium:

  • Insure more than one vehicle with the same insurer

  • Bundle your auto and home insurance with the same provider

  • Opt for a two-year policy (if possible)

  • Remove certain coverages from older vehicles

  • Increase your deductibles

  • Maintain a clean driving record

  • Install a recognized anti-theft device

  • Choose a fuel-efficient or hybrid vehicle

  • Encourage driving courses for new drivers

  • Maintain a strong credit history

Joint Report

Download a joint report form here : Joint Report Form