{"id":11165,"date":"2025-08-27T05:01:29","date_gmt":"2025-08-27T05:01:29","guid":{"rendered":"https:\/\/youset.ca\/?p=11165"},"modified":"2026-03-16T12:14:23","modified_gmt":"2026-03-16T12:14:23","slug":"assurance-auto-sans-egard-a-la-responsabilite","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/","title":{"rendered":"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Quand vous entendez l\u2019expression \u00ab\u2009assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009\u00bb, que pensez-vous que cela signifie\u2009?<\/span> <span style=\"font-weight: 400;\">Est-ce que cela donne l\u2019impression que la responsabilit\u00e9 n\u2019a aucune importance\u2009? Ou bien que personne n\u2019est tenu responsable apr\u00e8s un accident\u2009? <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Pas exactement. En r\u00e9alit\u00e9, cela signifie qu\u2019apr\u00e8s une collision, chaque conducteur soumet une r\u00e9clamation \u00e0 son propre <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\"><span style=\"font-weight: 400;\">assureur automobile<\/span><\/a><span style=\"font-weight: 400;\">, peu importe qui a caus\u00e9 l\u2019accident.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Alors, pourquoi utilise-t-on le terme \u00ab\u2009sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009\u00bb\u2009? En quoi ce syst\u00e8me diff\u00e8re-t-il du mod\u00e8le traditionnel bas\u00e9 sur la faute (aussi appel\u00e9 syst\u00e8me de droit civil ou \u00ab\u2009tort\u2009\u00bb)\u2009? Est-ce que ce type d\u2019assurance est utilis\u00e9 partout au Canada ou seulement dans certaines provinces\u2009?<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Dans cet article, vous d\u00e9couvrirez ce que signifie r\u00e9ellement l\u2019assurance sans \u00e9gard \u00e0 la responsabilit\u00e9, comment elle se distingue du syst\u00e8me bas\u00e9 sur la faute, et ce que cela implique pour vous en tant que conducteur.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_44a613138adce26f4da21d1e5f9f0bec\" 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\">Chaque province et territoire au Canada a, ou est en train d\u2019adopter, un syst\u00e8me d\u2019assurance sans \u00e9gard \u00e0 la responsabilit\u00e9, ce qui signifie que les conducteurs sont indemnis\u00e9s par leur propre assureur apr\u00e8s un accident, peu importe qui est responsable.<\/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-le-systeme-sans-egard-a-la-responsabilite\">Qu\u2019est-ce que le syst\u00e8me sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Dans ce syst\u00e8me, chaque conducteur soumet une r\u00e9clamation \u00e0 son propre assureur automobile pour les dommages ou pertes admissibles caus\u00e9s par un&nbsp;<\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/\"><span style=\"font-weight: 400;\">accident<\/span><\/a><span style=\"font-weight: 400;\">, peu importe qui est responsable.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cela diff\u00e8re du syst\u00e8me bas\u00e9 sur la faute, o\u00f9 le conducteur fautif est tenu financi\u00e8rement responsable, et les r\u00e9clamations sont faites aupr\u00e8s de l\u2019assureur de la personne responsable. Dans ce cas, les conducteurs ne peuvent \u00eatre indemnis\u00e9s tant que les assureurs n\u2019ont pas d\u00e9termin\u00e9 qui est en faute. Malheureusement, cela peut entra\u00eener des poursuites judiciaires, ce qui retarde encore davantage les paiements et l\u2019acc\u00e8s aux prestations.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En \u00e9liminant la n\u00e9cessit\u00e9 de d\u00e9terminer la responsabilit\u00e9 en premier lieu, le syst\u00e8me sans \u00e9gard \u00e0 la responsabilit\u00e9 permet aux conducteurs d\u2019\u00eatre rembours\u00e9s plus rapidement, d\u2019\u00e9viter des frais juridiques \u00e9lev\u00e9s et d\u2019obtenir le soutien m\u00e9dical et financier dont ils ont besoin, au moment o\u00f9 ils en ont le plus besoin. <\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-appelle-t-on-cela-une-assurance-automobile-sans-egard-a-la-responsabilite\">Pourquoi appelle-t-on cela une assurance automobile sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Le terme \u00ab\u2009assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009\u00bb peut porter \u00e0 confusion. Il peut donner l\u2019impression que la responsabilit\u00e9 n\u2019est jamais attribu\u00e9e ou que personne n\u2019est tenu responsable apr\u00e8s un accident de voiture.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En r\u00e9alit\u00e9, c\u2019est souvent le contraire. Il peut \u00eatre n\u00e9cessaire de d\u00e9terminer la responsabilit\u00e9, surtout si la r\u00e9clamation concerne des dommages mat\u00e9riels \u00e0 votre v\u00e9hicule ou si vous vivez dans une province o\u00f9 les conducteurs fautifs peuvent \u00eatre poursuivis pour des blessures graves ou des pertes importantes.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Ce qu\u2019il faut comprendre, c\u2019est que l\u2019assurance est dite \u00ab\u2009sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009\u00bb parce que toutes les personnes impliqu\u00e9es peuvent&nbsp;<\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\"><span style=\"font-weight: 400;\">soumettre une r\u00e9clamation \u00e0 leur propre assureur<\/span><\/a> <span style=\"font-weight: 400;\"> et recevoir une indemnisation pour certains types de prestations, comme les soins m\u00e9dicaux et le remplacement de revenu, m\u00eame si elles sont responsables de l\u2019accident, et ce, sans devoir attendre la fin d\u2019une enqu\u00eate sur la responsabilit\u00e9.<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_a951b93c5d35b853199997a0c20ccec7\" 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-quelles-provinces-ont-une-assurance-sans-egard-a-la-responsabilite-au-canada\">Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9 au Canada\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Chaque province et territoire au Canada utilise d\u00e9j\u00e0 (ou est en voie d\u2019adopter) un syst\u00e8me d\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-auto\/\"><span style=\"font-weight: 400;\">assurance automobile<\/span><\/a> <span style=\"font-weight: 400;\"> sans \u00e9gard \u00e0 la responsabilit\u00e9, du moins pour les r\u00e9clamations li\u00e9es aux blessures corporelles.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Dans certaines provinces, comme l\u2019Ontario, ce r\u00e9gime s\u2019applique aussi aux dommages mat\u00e9riels gr\u00e2ce au m\u00e9canisme d\u2019indemnisation directe &#8211; couverture contre les dommages mat\u00e9riels (ID-DM). Au Qu\u00e9bec, le syst\u00e8me sans \u00e9gard \u00e0 la responsabilit\u00e9 s\u2019applique uniquement aux blessures corporelles, qui sont prises en charge par le r\u00e9gime public de la SAAQ. Les dommages mat\u00e9riels, quant \u00e0 eux, sont toujours trait\u00e9s selon le principe de responsabilit\u00e9, bien que la r\u00e9clamation soit tout de m\u00eame d\u00e9pos\u00e9e aupr\u00e8s de votre propre assureur, et non celui de l\u2019autre conducteur.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Voici les provinces et territoires qui ont adopt\u00e9 une forme d\u2019assurance sans \u00e9gard \u00e0 la responsabilit\u00e9&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/youset.ca\/fr\/blog\/comment-fonctionne-l-assurance-auto-au-quebec\/\"><span style=\"font-weight: 400;\">Qu\u00e9bec<\/span><\/a><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ontario<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Colombie-Britannique<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Manitoba<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Saskatchewan<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Nouveau-Brunswick<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Nouvelle-\u00c9cosse<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00cele-du-Prince-\u00c9douard<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Terre-Neuve-et-Labrador<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Yukon<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Territoires du Nord-Ouest<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Nunavut<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Alberta (transition vers un <\/span><a href=\"https:\/\/care-first.alberta.ca\/\"><span style=\"font-weight: 400;\">mod\u00e8le \u00ab\u2009First care\u2009\u00bb<\/span><\/a> <span style=\"font-weight: 400;\"> en janvier 2027)<\/span><\/li>\n\n\n\n<li>Saskatchewan (le r\u00e9gime <a href=\"https:\/\/sgi.sk.ca\/basic-auto-injury-insurance\">sans \u00e9gard \u00e0 la responsabilit\u00e9 est standard<\/a>, mais les conducteurs peuvent choisir une couverture bas\u00e9e sur la responsabilit\u00e9)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-assurance-automobile-sans-egard-a-la-responsabilite-est-elle-meilleure\">L\u2019assurance automobile sans \u00e9gard \u00e0 la responsabilit\u00e9 est-elle meilleure\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance sans \u00e9gard \u00e0 la responsabilit\u00e9 vise \u00e0 r\u00e9soudre certains probl\u00e8mes associ\u00e9s aux syst\u00e8mes traditionnels bas\u00e9s sur la faute, comme les poursuites judiciaires longues, les d\u00e9lais de paiement et l\u2019acc\u00e8s in\u00e9gal aux prestations. Parmi les avantages recherch\u00e9s de ce type de r\u00e9gime, on retrouve&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Un acc\u00e8s plus rapide aux soins m\u00e9dicaux et aux services de r\u00e9adaptation, sans devoir attendre que la responsabilit\u00e9 soit d\u00e9termin\u00e9e<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Moins de recours aux poursuites pour obtenir une indemnisation<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Des frais juridiques moins \u00e9lev\u00e9s pour les assur\u00e9s<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Une r\u00e9solution plus rapide des r\u00e9clamations<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Un all\u00e8gement de la pression sur les tribunaux et le syst\u00e8me judiciaire en g\u00e9n\u00e9ral<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cela dit, ce type d\u2019assurance comporte aussi certains compromis. Selon la province o\u00f9 vous vivez, il peut y avoir des restrictions sur le droit de poursuivre pour douleur et souffrance, des plafonds sur certaines prestations et moins de flexibilit\u00e9 pour obtenir une indemnisation compl\u00e8te par les tribunaux.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Alors, est-ce que l\u2019assurance sans \u00e9gard \u00e0 la responsabilit\u00e9 est meilleure\u2009? Cela d\u00e9pend de votre point de vue, de vos besoins et des particularit\u00e9s du r\u00e9gime en vigueur dans votre province. Dans tous les cas, bien comprendre le fonctionnement de votre couverture, ce qu\u2019elle inclut ou non, est essentiel pour prendre des d\u00e9cisions \u00e9clair\u00e9es.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quand vous entendez l\u2019expression \u00ab\u2009assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009\u00bb, que pensez-vous que cela signifie\u2009? Est-ce que cela donne l\u2019impression que la responsabilit\u00e9 n\u2019a aucune importance\u2009? Ou bien que personne n\u2019est tenu responsable apr\u00e8s un accident\u2009? Pas exactement. En r\u00e9alit\u00e9, cela signifie qu\u2019apr\u00e8s une collision, chaque conducteur soumet une r\u00e9clamation&#8230;<\/p>\n","protected":false},"author":11,"featured_media":10765,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-11165","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 v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"Chaque conducteur r\u00e9clame \u00e0 son propre assureur et est indemnis\u00e9, peu importe qui est responsable de l\u2019accident.\" \/>\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\/assurance-auto-sans-egard-a-la-responsabilite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-27T05:01:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:14:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/Why-Is-It-Called-No-Fault-Insurance-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=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?\",\"datePublished\":\"2025-08-27T05:01:29+00:00\",\"dateModified\":\"2026-03-16T12:14:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/\"},\"wordCount\":975,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp\",\"articleSection\":[\"Assurance auto\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/\",\"name\":\"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009? - YouSet\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp\",\"datePublished\":\"2025-08-27T05:01:29+00:00\",\"dateModified\":\"2026-03-16T12:14:23+00:00\",\"description\":\"Chaque conducteur r\u00e9clame \u00e0 son propre assureur et est indemnis\u00e9, peu importe qui est responsable de l\u2019accident.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/#primaryimage\",\"url\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp\",\"contentUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp\",\"width\":1920,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-sans-egard-a-la-responsabilite\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/youset.ca\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/\",\"name\":\"YouSet\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/youset.ca\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\",\"name\":\"YouSet Insurance\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/YouSet-logo-1.png\",\"contentUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/YouSet-logo-1.png\",\"width\":696,\"height\":696,\"caption\":\"YouSet Insurance\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/yousetinsurance\\\/\",\"https:\\\/\\\/www.instagram.com\\\/yousetinsurance\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/11319949\",\"https:\\\/\\\/www.pinterest.ca\\\/yousetinsurance\\\/\"],\"description\":\"YouSet Insurance is a damage insurance brokerage firm registered with the AMF in Quebec and RIBO in Ontario.\",\"email\":\"contact@youset.ca\",\"legalName\":\"YouSet Insurance\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\",\"name\":\"Emily May\",\"description\":\"Emily May proudly holds the position of Content Manager at YouSet, working from her home base near Toronto, Ontario. Since 2017, Emily has specialized in writing, marketing, and content creation, refining her craft to deliver messages that reflect the reality of her audience\u2019s day-to-day life. Through extensive research and with a genuine commitment to addressing the real questions of Canadians, Emily aims to simplify the complexities of home and car insurance. Her mission is clear: to make insurance feel less intimidating and more approachable for the everyday Canadian.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/emily-a-may\\\/\"],\"jobTitle\":\"Content Manager\",\"worksFor\":\"YouSet\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/author\\\/emay\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009? - YouSet","description":"Chaque conducteur r\u00e9clame \u00e0 son propre assureur et est indemnis\u00e9, peu importe qui est responsable de l\u2019accident.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/","og_locale":"fr_FR","og_type":"article","og_title":"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?","og_description":"%","og_url":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/","article_publisher":"https:\/\/www.facebook.com\/yousetinsurance\/","article_published_time":"2025-08-27T05:01:29+00:00","article_modified_time":"2026-03-16T12:14:23+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp","type":"image\/webp"}],"author":"Emily May","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emily May","Dur\u00e9e de lecture estim\u00e9e":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/#article","isPartOf":{"@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/"},"author":{"name":"Emily May","@id":"https:\/\/youset.ca\/fr\/#\/schema\/person\/0686aae361019707f752e540bb05fb40"},"headline":"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?","datePublished":"2025-08-27T05:01:29+00:00","dateModified":"2026-03-16T12:14:23+00:00","mainEntityOfPage":{"@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/"},"wordCount":975,"publisher":{"@id":"https:\/\/youset.ca\/fr\/#organization"},"image":{"@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/#primaryimage"},"thumbnailUrl":"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp","articleSection":["Assurance auto"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/","url":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/","name":"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009? - YouSet","isPartOf":{"@id":"https:\/\/youset.ca\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/#primaryimage"},"image":{"@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/#primaryimage"},"thumbnailUrl":"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp","datePublished":"2025-08-27T05:01:29+00:00","dateModified":"2026-03-16T12:14:23+00:00","description":"Chaque conducteur r\u00e9clame \u00e0 son propre assureur et est indemnis\u00e9, peu importe qui est responsable de l\u2019accident.","breadcrumb":{"@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/#primaryimage","url":"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp","contentUrl":"https:\/\/youset.ca\/wp-content\/uploads\/2025\/08\/Why-Is-It-Called-No-Fault-Insurance-YouSet.webp","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-sans-egard-a-la-responsabilite\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/youset.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Quelles provinces ont une assurance sans \u00e9gard \u00e0 la responsabilit\u00e9\u2009?"}]},{"@type":"WebSite","@id":"https:\/\/youset.ca\/fr\/#website","url":"https:\/\/youset.ca\/fr\/","name":"YouSet","description":"","publisher":{"@id":"https:\/\/youset.ca\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/youset.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/youset.ca\/fr\/#organization","name":"YouSet Insurance","url":"https:\/\/youset.ca\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/youset.ca\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/youset.ca\/wp-content\/uploads\/2023\/03\/YouSet-logo-1.png","contentUrl":"https:\/\/youset.ca\/wp-content\/uploads\/2023\/03\/YouSet-logo-1.png","width":696,"height":696,"caption":"YouSet Insurance"},"image":{"@id":"https:\/\/youset.ca\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/yousetinsurance\/","https:\/\/www.instagram.com\/yousetinsurance\/","https:\/\/www.linkedin.com\/company\/11319949","https:\/\/www.pinterest.ca\/yousetinsurance\/"],"description":"YouSet Insurance is a damage insurance brokerage firm registered with the AMF in Quebec and RIBO in Ontario.","email":"contact@youset.ca","legalName":"YouSet Insurance"},{"@type":"Person","@id":"https:\/\/youset.ca\/fr\/#\/schema\/person\/0686aae361019707f752e540bb05fb40","name":"Emily May","description":"Emily May proudly holds the position of Content Manager at YouSet, working from her home base near Toronto, Ontario. Since 2017, Emily has specialized in writing, marketing, and content creation, refining her craft to deliver messages that reflect the reality of her audience\u2019s day-to-day life. Through extensive research and with a genuine commitment to addressing the real questions of Canadians, Emily aims to simplify the complexities of home and car insurance. Her mission is clear: to make insurance feel less intimidating and more approachable for the everyday Canadian.","sameAs":["https:\/\/www.linkedin.com\/in\/emily-a-may\/"],"jobTitle":"Content Manager","worksFor":"YouSet","url":"https:\/\/youset.ca\/fr\/author\/emay\/"}]}},"_links":{"self":[{"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/posts\/11165","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/comments?post=11165"}],"version-history":[{"count":0,"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/posts\/11165\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/media\/10765"}],"wp:attachment":[{"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/media?parent=11165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/categories?post=11165"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/youset.ca\/fr\/wp-json\/wp\/v2\/tags?post=11165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}