{"id":10387,"date":"2025-06-03T05:01:35","date_gmt":"2025-06-03T05:01:35","guid":{"rendered":"https:\/\/youset.ca\/?p=10387"},"modified":"2026-03-16T12:13:40","modified_gmt":"2026-03-16T12:13:40","slug":"qu-est-ce-que-la-protection-des-indemnites-en-cas-daccident","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-la-protection-des-indemnites-en-cas-daccident\/","title":{"rendered":"La protection des indemnit\u00e9s en cas d\u2019accident : est-elle obligatoire\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Parmi tous les <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/comment-choisir-le-bon-type-dassurance-auto\/\"><span style=\"font-weight: 400;\">types de protections offertes dans une assurance auto<\/span><\/a><span style=\"font-weight: 400;\">, la protection des indemnit\u00e9s en cas d\u2019accident est celle qui est express\u00e9ment con\u00e7ue pour <\/span><i><span style=\"font-weight: 400;\">vous<\/span><\/i> <span style=\"font-weight: 400;\"> prot\u00e9ger. Si le pire devait arriver et que vous \u00e9tiez impliqu\u00e9 dans un accident, vous pourriez devoir vous absenter du travail pour gu\u00e9rir, suivre des traitements m\u00e9dicaux ou vous adapter \u00e0 une nouvelle r\u00e9alit\u00e9. Ces situations peuvent entra\u00eener des pressions financi\u00e8res importantes, ce qui ajoute du stress \u00e0 une p\u00e9riode d\u00e9j\u00e0 difficile.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Heureusement, c\u2019est exactement l\u00e0 que cette couverture entre en jeu. Elle offre un soutien financier pour les soins m\u00e9dicaux, la perte de revenus, la r\u00e9adaptation et plus encore, afin de s\u2019assurer que vous receviez l\u2019aide n\u00e9cessaire au moment o\u00f9 vous en avez le plus besoin.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Dans cet article, vous d\u00e9couvrirez ce que couvre la protection des indemnit\u00e9s en cas d\u2019accident, dans quelles provinces et quels territoires elle est obligatoire, et bien plus encore.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_3ff76923fb41ead516781d023547c809\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Les points cl\u00e9s<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><span style=\"font-weight: 400\">Oui, la protection des indemnit\u00e9s en cas d\u2019accident est obligatoire dans la plupart des provinces et territoires au Canada. Si vous conduisez dans une province ou un territoire o\u00f9 elle s\u2019applique, vous pouvez recevoir une indemnisation pour certaines d\u00e9penses admissibles en cas d\u2019accident (par exemple, des frais m\u00e9dicaux ou une perte de revenu), jusqu\u2019aux limites pr\u00e9vues \u00e0 votre contrat d\u2019assurance auto.\u00a0<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-que-la-protection-des-indemnites-en-cas-d-accident\">Qu\u2019est-ce que la protection des indemnit\u00e9s en cas d\u2019accident\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La couverture des indemnit\u00e9s en cas d\u2019accident, parfois appel\u00e9e \u00ab\u2009section B\u2009\u00bb dans certaines provinces, offre une compensation financi\u00e8re aux personnes bless\u00e9es ou d\u00e9c\u00e9d\u00e9es \u00e0 la suite d\u2019un accident de voiture. Selon votre province de r\u00e9sidence au Canada, cette protection peut \u00eatre automatiquement incluse dans votre <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\"><span style=\"font-weight: 400;\">assurance auto<\/span><\/a><span style=\"font-weight: 400;\">, offerte en option ou int\u00e9gr\u00e9e \u00e0 votre r\u00e9gime public d\u2019assurance automobile.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019objectif de cette couverture est d\u2019aider \u00e0 assumer les d\u00e9penses que peuvent entra\u00eener les blessures li\u00e9es \u00e0 un accident de la route, tout en offrant un soutien \u00e0 la famille en cas de d\u00e9c\u00e8s. Voici quelques exemples de ce que cette protection peut couvrir&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Remplacement du revenu en cas de perte de salaire<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Services et traitements m\u00e9dicaux priv\u00e9s (ex. physioth\u00e9rapie, soins chiropratiques, massoth\u00e9rapie)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Services de r\u00e9adaptation (ex. ergoth\u00e9rapie, soutien psychologique, orthophonie)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Fournitures, dispositifs et \u00e9quipements m\u00e9dicaux (p. ex., aides \u00e0 la mobilit\u00e9, proth\u00e8ses)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Frais fun\u00e9raires en cas de d\u00e9c\u00e8s<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Bien que les d\u00e9penses couvertes soient g\u00e9n\u00e9ralement similaires d\u2019une province \u00e0 l\u2019autre, les crit\u00e8res d\u2019admissibilit\u00e9 et les montants d\u2019indemnisation peuvent varier. Chaque province \u00e9tablit ses propres r\u00e8gles concernant les montants vers\u00e9s et les conditions d\u2019acc\u00e8s \u00e0 cette protection. En Ontario, par exemple, c\u2019est l\u2019<\/span><a href=\"https:\/\/www.ontario.ca\/lois\/reglement\/100034\"><span style=\"font-weight: 400;\">Annexe sur les indemnit\u00e9s d\u2019accident l\u00e9gales (AIAL)<\/span><\/a> <span style=\"font-weight: 400;\"> qui encadre les r\u00e8gles utilis\u00e9es par les assureurs pour d\u00e9terminer les indemnit\u00e9s auxquelles une personne bless\u00e9e peut avoir droit.<\/span> &nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_d802c0809479eab14d9b1214ce45b2fb\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Comparez et achetez l\u2019assurance auto, en ligne.<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Obtenez une soumission<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-la-protection-des-indemnites-en-cas-d-accident-est-elle-obligatoire\">La protection des indemnit\u00e9s en cas d\u2019accident est-elle obligatoire\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Oui, la couverture des indemnit\u00e9s en cas d\u2019accident est obligatoire dans la majorit\u00e9 des provinces et territoires du Canada. Les conducteurs qui y r\u00e9sident peuvent recevoir une compensation financi\u00e8re pour des d\u00e9penses admissibles, comme les soins m\u00e9dicaux ou la perte de revenu, jusqu\u2019\u00e0 concurrence des limites pr\u00e9vues par leur <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/documents-de-police-dassurance-automobile\/\"><span style=\"font-weight: 400;\">police d\u2019assurance automobile<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-provinces-ou-la-couverture-des-indemnites-en-cas-d-accident-est-obligatoire\">Provinces o\u00f9 la couverture des indemnit\u00e9s en cas d\u2019accident est obligatoire<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.alberta.ca\/automobile-collisions-insurance\"><span style=\"font-weight: 400;\">Alberta<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/fcnb.ca\/en\/insurance\/automobile-insurance\"><span style=\"font-weight: 400;\">Nouveau-Brunswick<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/irac.pe.ca\/insurance\/auto-insurance\/auto-insurance-faqs\/\"><span style=\"font-weight: 400;\">\u00cele-du-Prince-\u00c9douard<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Nouvelle-\u00c9cosse<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Nunavut&nbsp;<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Territoires du Nord-Ouest<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Yukon <\/span><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Pendant ce temps, le Qu\u00e9bec, la Colombie-Britannique et le Manitoba disposent de r\u00e9gimes publics d\u2019assurance automobile administr\u00e9s par le gouvernement, qui incluent une forme ou une autre d\u2019indemnit\u00e9s en cas d\u2019accident, peu importe la responsabilit\u00e9. <\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Par exemple, au <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/accident-route\/regime-public-assurance-automobile\"><span style=\"font-weight: 400;\">Qu\u00e9bec, c\u2019est la SAAQ (Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec)<\/span><\/a> <span style=\"font-weight: 400;\">qui offre cette couverture. Elle aide les personnes accident\u00e9es \u00e0 se remettre sur pied en indemnisant les pertes financi\u00e8res comme la perte de revenu, les soins de sant\u00e9 priv\u00e9s, les frais de r\u00e9adaptation, les fournitures m\u00e9dicales et l\u2019aide \u00e0 domicile.<\/span> <span style=\"font-weight: 400;\">Les deux autres provinces ont des syst\u00e8mes particuliers. <\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u00c0 <\/span><a href=\"https:\/\/www.gov.nl.ca\/dgsnl\/files\/insurance-pdf-auto-ins-review-01-29-2019.pdf\"><span style=\"font-weight: 400;\">Terre-Neuve-et-Labrador, on applique un r\u00e9gime fond\u00e9 sur la responsabilit\u00e9 civile<\/span><\/a> <span style=\"font-weight: 400;\">&nbsp;: les conducteurs peuvent soit souscrire une couverture d\u2019indemnit\u00e9s en cas d\u2019accident aupr\u00e8s d\u2019un assureur priv\u00e9, soit r\u00e9clamer une indemnisation \u00e0 l\u2019assureur du conducteur fautif. En Saskatchewan, le r\u00e9gime public d\u2019assurance automobile pr\u00e9voit par <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/\"><span style=\"font-weight: 400;\">d\u00e9faut une couverture sans \u00e9gard \u00e0 la responsabilit\u00e9<\/span><\/a><span style=\"font-weight: 400;\">, mais les conducteurs peuvent choisir un r\u00e9gime bas\u00e9 sur la responsabilit\u00e9.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qui-est-admissible-aux-indemnites-en-cas-d-accident\">Qui est admissible aux indemnit\u00e9s en cas d\u2019accident\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Les indemnit\u00e9s en cas d\u2019accident sont con\u00e7ues pour offrir un soutien financier \u00e0 toute personne impliqu\u00e9e dans un accident de la route, qu\u2019il s\u2019agisse d\u2019un conducteur, d\u2019un passager, d\u2019un cycliste ou d\u2019un pi\u00e9ton.<\/span> <span style=\"font-weight: 400;\">En g\u00e9n\u00e9ral, si vous d\u00e9tenez <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-auto\/\"><span style=\"font-weight: 400;\">votre propre police d\u2019assurance automobile<\/span><\/a><span style=\"font-weight: 400;\">, vous pouvez faire une demande d\u2019indemnit\u00e9s en cas d\u2019accident aupr\u00e8s de votre assureur, m\u00eame si vous n\u2019\u00e9tiez pas au volant au moment de l\u2019accident (par exemple, si vous \u00e9tiez passager ou pi\u00e9ton). <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous n\u2019avez pas d\u2019assurance, il est parfois possible de faire une demande aupr\u00e8s de l\u2019assureur du conducteur responsable de l\u2019accident.<\/span> <span style=\"font-weight: 400;\">Cela dit, l\u2019admissibilit\u00e9 aux indemnit\u00e9s en cas d\u2019accident, ainsi que les d\u00e9marches \u00e0 suivre pour les obtenir, peuvent varier d\u2019une province ou d\u2019un territoire \u00e0 l\u2019autre. Il est donc important de consulter la r\u00e9glementation en vigueur dans votre r\u00e9gion afin de bien comprendre votre couverture et vos droits.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quel-est-le-delai-de-prescription-pour-les-indemnites-en-cas-d-accident\">Quel est le d\u00e9lai de prescription pour les indemnit\u00e9s en cas d\u2019accident\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Comme les cons\u00e9quences d\u2019un accident de voiture peuvent ne pas \u00eatre imm\u00e9diatement apparentes, vous disposez g\u00e9n\u00e9ralement d\u2019un certain d\u00e9lai\u2009; souvent deux ans \u00e0 partir de la date de l\u2019accident pour pr\u00e9senter une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\"><span style=\"font-weight: 400;\">demande<\/span><\/a> <span style=\"font-weight: 400;\"> d\u2019indemnit\u00e9s en cas d\u2019accident. Toutefois, ce d\u00e9lai varie selon la province ou le territoire o\u00f9 vous vivez. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Par exemple, en <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/regulation\/r10034#:~:text=A%20person%20receiving%20an%20income,this%20Part%20if%2C%20as%20a\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a><span style=\"font-weight: 400;\">, en <\/span><a href=\"https:\/\/open.alberta.ca\/dataset\/0f7b9744-0184-4d00-8ad0-7dd34e215f43\/resource\/402c972c-8e5e-4d40-8ebf-6c1992c5e58c\/download\/insurance-spf4-standard-garage-automobile-policy-2007-sectionb.pdf\"><span style=\"font-weight: 400;\">Alberta<\/span><\/a><span style=\"font-weight: 400;\">, et en <\/span><a href=\"https:\/\/sgi.sk.ca\/basic-auto-injury-insurance\"><span style=\"font-weight: 400;\">Saskatchewan<\/span><\/a><span style=\"font-weight: 400;\">, le d\u00e9lai de prescription est de deux ans \u00e0 compter de la date de l\u2019accident. Au <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/accident-route\/regime-public-assurance-automobile\/couvert-comment\"><span style=\"font-weight: 400;\">Qu\u00e9bec<\/span><\/a><span style=\"font-weight: 400;\">, ce d\u00e9lai est de trois ans.<\/span> <span style=\"font-weight: 400;\">Peu importe votre lieu de r\u00e9sidence, il est essentiel de d\u00e9clarer vos blessures le plus rapidement possible. Un retard dans votre demande pourrait nuire \u00e0 votre admissibilit\u00e9 ou compliquer le processus d\u2019indemnisation. Une d\u00e9claration rapide est donc toujours recommand\u00e9e.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Parmi tous les types de protections offertes dans une assurance auto, la protection des indemnit\u00e9s en cas d\u2019accident est celle qui est express\u00e9ment con\u00e7ue pour vous prot\u00e9ger. Si le pire devait arriver et que vous \u00e9tiez impliqu\u00e9 dans un accident, vous pourriez devoir vous absenter du travail pour gu\u00e9rir, suivre&#8230;<\/p>\n","protected":false},"author":11,"featured_media":9089,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-10387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu\u2019est-ce que la protection des indemnit\u00e9s en cas d\u2019accident\u2009?<\/title>\n<meta name=\"description\" content=\"La protection des indemnit\u00e9s en cas d\u2019accident aide \u00e0 couvrir les d\u00e9penses des personnes bless\u00e9es ou d\u00e9c\u00e9d\u00e9es suite 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