{"id":11088,"date":"2025-08-19T05:01:27","date_gmt":"2025-08-19T05:01:27","guid":{"rendered":"https:\/\/youset.ca\/?p=11088"},"modified":"2026-03-16T12:14:19","modified_gmt":"2026-03-16T12:14:19","slug":"comment-fonctionne-l-assurance-auto-au-quebec","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/comment-fonctionne-l-assurance-auto-au-quebec\/","title":{"rendered":"Comment fonctionne l\u2019assurance auto au Qu\u00e9bec"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Le Qu\u00e9bec a une approche unique en mati\u00e8re d\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\"><span style=\"font-weight: 400;\">assurance auto<\/span><\/a><span style=\"font-weight: 400;\">. Contrairement \u00e0 d\u2019autres provinces comme la Colombie-Britannique, le Manitoba ou la Saskatchewan, qui offrent une assurance publique compl\u00e8te, le Qu\u00e9bec se distingue par une r\u00e9partition claire des responsabilit\u00e9s entre le r\u00e9gime public et les assureurs priv\u00e9s.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Vous trouvez ce syst\u00e8me \u00e0 deux volets un peu d\u00e9routant\u2009? Vous ne savez pas exactement ce que vous devez acheter\u2009? Vous n\u2019\u00eates pas seul.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cet article vous explique \u00e9tape par \u00e9tape comment fonctionne l\u2019assurance auto au Qu\u00e9bec. Que vous <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-auto-pour-nouveaux-conducteurs\/\"><span style=\"font-weight: 400;\">veniez d\u2019obtenir votre permis<\/span><\/a><span style=\"font-weight: 400;\">, d\u2019acheter votre premi\u00e8re voiture, de <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/demenager-au-quebec-depuis-une-autre-province\/\"><span style=\"font-weight: 400;\">d\u00e9m\u00e9nager dans la province<\/span><\/a> <span style=\"font-weight: 400;\"> ou que vous ayez simplement besoin d\u2019un rappel clair et concis, vous d\u00e9couvrirez en quelques minutes ce qui est automatiquement couvert et ce que vous devez encore souscrire vous-m\u00eame.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_709a39d24e1f66e0473edf3b82b00806\" 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\">Au Qu\u00e9bec, l\u2019assurance auto repose sur un syst\u00e8me \u00e0 deux volets\u00a0: les r\u00e9sidents sont automatiquement couverts par le r\u00e9gime public de la SAAQ pour les blessures corporelles, et la loi exige aussi une assurance auto priv\u00e9e aupr\u00e8s d\u2019un assureur autoris\u00e9, incluant au minimum 50\u2009000\u00a0$ en responsabilit\u00e9 civile envers les tiers.\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-comment-fonctionne-l-assurance-auto-au-quebec-public-vs-prive\">Comment fonctionne l\u2019assurance auto au Qu\u00e9bec\u2009? Public vs priv\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Au Qu\u00e9bec, l\u2019assurance automobile repose sur un syst\u00e8me unique \u00e0 deux volets&nbsp;: l\u2019assurance publique, g\u00e9r\u00e9e par la Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (SAAQ), qui couvre les blessures corporelles, et l\u2019assurance priv\u00e9e qui couvre les dommages mat\u00e9riels (v\u00e9hicule et biens).&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Chaque r\u00e9sident du Qu\u00e9bec est automatiquement inscrit au r\u00e9gime public de la SAAQ, qui prend en charge les frais li\u00e9s aux blessures en cas d\u2019accident, peu importe qui est responsable.&nbsp;<\/span> <span style=\"font-weight: 400;\">Mais il est <\/span><i><span style=\"font-weight: 400;\">aussi<\/span><\/i> <span style=\"font-weight: 400;\">&nbsp;obligatoire par la loi&nbsp;de souscrire une assurance priv\u00e9e aupr\u00e8s d\u2019un assureur autoris\u00e9 (comme YouSet\u2009!) incluant <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/accident-route\/regime-public-assurance-automobile\/en-bref\"><span style=\"font-weight: 400;\">au moins 50\u2009000&nbsp;$ de couverture en responsabilit\u00e9 civile<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Attention&nbsp;: 50\u2009000&nbsp;$ est le&nbsp;minimum l\u00e9gal. Si vous vous contentez de cette couverture et de celle offerte par le r\u00e9gime public, vous serez enti\u00e8rement responsable des co\u00fbts li\u00e9s aux dommages \u00e0 votre propre v\u00e9hicule caus\u00e9s par&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Collisions avec d\u2019autres v\u00e9hicules<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Objets fixes (p. ex., arbres, cl\u00f4tures, lampadaires)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dangers routiers (p. ex., nids-de-poule, d\u00e9bris, chauss\u00e9e irr\u00e9guli\u00e8re)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">D\u00e9lit de fuite<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-le-vol-de-voiture\/\"><span style=\"font-weight: 400;\">Vol de voiture<\/span><\/a><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Intemp\u00e9ries (p. ex., gr\u00eale, vent, verglas, tornades)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vandalisme<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Incendie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Chute d\u2019objets&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-les-voitures-de-location\/\"><span style=\"font-weight: 400;\">Location de voiture<\/span><\/a> <span style=\"font-weight: 400;\"> pendant les r\u00e9parations&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Assistance routi\u00e8re<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Lorsque vous contractez une assurance auto aupr\u00e8s d\u2019un assureur priv\u00e9 au Qu\u00e9bec, il est fortement recommand\u00e9 de consid\u00e9rer des protections suppl\u00e9mentaires, surtout si vous louez ou financez votre v\u00e9hicule. Dans ce cas, votre pr\u00eateur ou votre contrat de location pourrait exiger des limites de couverture plus \u00e9lev\u00e9es ou des protections additionnelles, telles que&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/protection-responsabilite-civile-pour-assurance-auto\/\"><span style=\"font-weight: 400;\">couverture en responsabilit\u00e9 civile<\/span><\/a> <span style=\"font-weight: 400;\"> allant jusqu\u2019\u00e0 2&nbsp;millions&nbsp;$<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/quest-ce-que-la-protection-collision\/\"><span style=\"font-weight: 400;\">assurance collision<\/span><\/a> <span style=\"font-weight: 400;\">pour r\u00e9parer ou remplacer votre v\u00e9hicule apr\u00e8s un acciden<\/span>t<\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-auto-multirisque-au-canada\/\"><span style=\"font-weight: 400;\">assurance multirisque<\/span><\/a> <span style=\"font-weight: 400;\"> pour le vol, le vandalisme ou les dommages caus\u00e9s par les intemp\u00e9ries&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n\t<section id=\"post-cta-block_30f250c83e426c2f118dec12d23052a6\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center 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-que-couvre-l-assurance-de-la-saaq\">Que couvre l\u2019assurance de la SAAQ\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Le r\u00e9gime public d\u2019assurance automobile du Qu\u00e9bec, g\u00e9r\u00e9 par la Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (SAAQ), vise \u00e0 vous prot\u00e9ger financi\u00e8rement en cas de blessure ou de d\u00e9c\u00e8s \u00e0 la suite d\u2019un accident de la route. Cela s\u2019applique que l\u2019accident survienne au Qu\u00e9bec ou ailleurs, et peu importe qui est responsable.<\/span>\n\n<span style=\"font-weight: 400;\">Plus pr\u00e9cis\u00e9ment, le r\u00e9gime de la SAAQ couvre un large \u00e9ventail de frais li\u00e9s \u00e0 un accident, notamment&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Perte de revenu si vous \u00eates incapable de travailler<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Prestations de d\u00e9c\u00e8s pour les proches survivants<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Frais fun\u00e9raires<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Soins chiropratiques<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Physioth\u00e9rapie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ergoth\u00e9rapie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Traitement psychologique<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Soins dentaires<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Acupuncture<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">M\u00e9dicaments sur ordonnance<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Fournitures et appareils m\u00e9dicaux (ex. fauteuil roulant)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Remplacement de v\u00eatements ou accessoires port\u00e9s lors de l\u2019accident<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Modifications domiciliaires (p. ex., rampe d\u2019acc\u00e8s)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Soins \u00e0 domicile ou assistance personnelle<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qui-paie-apres-un-accident-de-voiture-au-quebec\">Qui paie apr\u00e8s un accident de voiture au Qu\u00e9bec\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Au Qu\u00e9bec, la personne ou l\u2019organisme qui paie apr\u00e8s un accident d\u00e9pend du type de dommages et de la couverture incluse dans votre police d\u2019assurance priv\u00e9e.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Si vous \u00eates bless\u00e9 dans un accident de voiture, que ce soit au Qu\u00e9bec ou ailleurs, l\u2019assurance publique de la SAAQ peut couvrir certains frais comme&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Les traitements m\u00e9dicaux<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">La perte de revenu<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">La r\u00e9adaptation<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les prestations de d\u00e9c\u00e8s<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous causez accidentellement des blessures ou des dommages mat\u00e9riels \u00e0 une autre personne, la portion responsabilit\u00e9 civile de votre assurance priv\u00e9e peut couvrir&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Les frais juridiques<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les frais m\u00e9dicaux li\u00e9s aux blessures que vous avez caus\u00e9es<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les co\u00fbts de r\u00e9paration ou de remplacement des biens endommag\u00e9s<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si votre <\/span><i><span style=\"font-weight: 400;\">propre<\/span><\/i> <span style=\"font-weight: 400;\"> v\u00e9hicule est endommag\u00e9, votre assurance priv\u00e9e peut couvrir les r\u00e9parations ou le remplacement, mais seulement si vous avez les protections n\u00e9cessaires&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">La couverture collision (pour les dommages caus\u00e9s par une collision avec un autre v\u00e9hicule ou un objet)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">La couverture multirisque (pour les dommages ou pertes caus\u00e9s par des \u00e9v\u00e9nements autres qu\u2019une collision)<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cependant, vous devrez payer de votre poche apr\u00e8s un accident si&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Vous n\u2019avez pas de police d\u2019assurance auto priv\u00e9e <\/span><i><span style=\"font-weight: 400;\">active<\/span><\/i><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Votre v\u00e9hicule est endommag\u00e9 et vous n\u2019avez pas de couverture collision ou multirisque<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Le co\u00fbt des dommages d\u00e9passe les limites de votre couverture<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les dommages sont exclus de votre police<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les dommages ont \u00e9t\u00e9 caus\u00e9s intentionnellement ou lors d\u2019une activit\u00e9 ill\u00e9gale<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-l-assurance-auto-est-elle-si-abordable-au-quebec\">Pourquoi l\u2019assurance auto est-elle si abordable au Qu\u00e9bec\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance automobile au Qu\u00e9bec est souvent beaucoup moins ch\u00e8re que dans les autres provinces. Par exemple, les utilisateurs de YouSet au&nbsp;<\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/localite\/assurance-auto-quebec\/\"><span style=\"font-weight: 400;\">Qu\u00e9bec paient en moyenne 75&nbsp;$ par mois<\/span><\/a><span style=\"font-weight: 400;\">, tandis qu\u2019en <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-ontario\/\"><span style=\"font-weight: 400;\">Ontario, le co\u00fbt moyen est de 220&nbsp;$ par mois<\/span><\/a><span style=\"font-weight: 400;\">, soit plus du double\u2009!<\/span> <span style=\"font-weight: 400;\">Cette diff\u00e9rence s\u2019explique par le partage des responsabilit\u00e9s entre les assureurs priv\u00e9s et le gouvernement.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Au Qu\u00e9bec, le r\u00e9gime public, g\u00e9r\u00e9 par la SAAQ, couvre les blessures, les frais m\u00e9dicaux et les prestations de d\u00e9c\u00e8s en cas d\u2019accident. Les assureurs priv\u00e9s n\u2019ont donc \u00e0 couvrir que les dommages mat\u00e9riels et la responsabilit\u00e9 civile. Moins de couverture signifie des prix plus bas.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Les Qu\u00e9b\u00e9cois contribuent tout de m\u00eame au r\u00e9gime public, mais pas par le biais de leur prime d\u2019assurance. Ils le financent plut\u00f4t par les frais li\u00e9s au permis de conduire et \u00e0 l\u2019immatriculation. Par exemple, en 2025, <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/accident-route\/regime-public-assurance-automobile\/contributions-assurance\"><span style=\"font-weight: 400;\">92,16&nbsp;$ des 118,41&nbsp;$<\/span><\/a> <span style=\"font-weight: 400;\"> de frais de renouvellement du permis de classe&nbsp;5 ont \u00e9t\u00e9 vers\u00e9s au fonds d\u2019assurance de la SAAQ.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Ainsi, m\u00eame si les primes d\u2019assurance priv\u00e9e sont plus basses au Qu\u00e9bec, une partie de la couverture est incluse dans les frais que vous payez pour conduire dans la province. Autrement dit, vous payez pour cette protection, mais d\u2019une mani\u00e8re diff\u00e9rente.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prochaines-etapes\">Prochaines \u00e9tapes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Maintenant que vous savez quoi chercher, laissez <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a> <span style=\"font-weight: 400;\"> faire le travail pour vous. En moins de 4&nbsp;minutes, notre algorithme compare les soumissions des meilleurs assureurs, applique des rabais exclusifs et trouve automatiquement la meilleure offre. De plus, nous surveillons votre prix au renouvellement et magasinons \u00e0 nouveau pour vous s\u2019il augmente, afin que vous obteniez toujours le meilleur tarif ann\u00e9e apr\u00e8s ann\u00e9e.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Qu\u00e9bec a une approche unique en mati\u00e8re d\u2019assurance auto. Contrairement \u00e0 d\u2019autres provinces comme la Colombie-Britannique, le Manitoba ou la Saskatchewan, qui offrent une assurance publique compl\u00e8te, le Qu\u00e9bec se distingue par une r\u00e9partition claire des responsabilit\u00e9s entre le r\u00e9gime public et les assureurs priv\u00e9s. Vous trouvez ce syst\u00e8me&#8230;<\/p>\n","protected":false},"author":11,"featured_media":10752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-11088","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 v28.4 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comment fonctionne l\u2019assurance auto au Qu\u00e9bec - YouSet<\/title>\n<meta name=\"description\" content=\"L\u2019assurance automobile au Qu\u00e9bec a deux volets : l\u2019assurance publique couvrant les personnes et l\u2019assurance priv\u00e9e couvrant les biens.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/fr\/blog\/comment-fonctionne-l-assurance-auto-au-quebec\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment fonctionne l\u2019assurance auto au Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/comment-fonctionne-l-assurance-auto-au-quebec\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-19T05:01:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:14:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/How-does-car-insurance-work-in-Quebec-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/comment-fonctionne-l-assurance-auto-au-quebec\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/comment-fonctionne-l-assurance-auto-au-quebec\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Comment fonctionne l\u2019assurance auto au Qu\u00e9bec\",\"datePublished\":\"2025-08-19T05:01:27+00:00\",\"dateModified\":\"2026-03-16T12:14:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/comment-fonctionne-l-assurance-auto-au-quebec\\\/\"},\"wordCount\":1267,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/comment-fonctionne-l-assurance-auto-au-quebec\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/How-does-car-insurance-work-in-Quebec-YouSet.webp\",\"articleSection\":[\"Assurance auto\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/comment-fonctionne-l-assurance-auto-au-quebec\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/comment-fonctionne-l-assurance-auto-au-quebec\\\/\",\"name\":\"Comment fonctionne l\u2019assurance auto au Qu\u00e9bec - 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