Liability coverage protects you from being held financially responsible for damage you cause to other people’s property. It is the basis of car insurance contracts. When we’re talking about: “liability” in vehicle insurance, we’re talking about the damage your car may cause to other people’s property only, not any bodily injury. In the province of Quebec, bodily injury is covered by the Société de l’assurance automobile du Québec (SAAQ). This is known as ‘no-fault’ insurance. As a Quebec driver, you pay for this through your license registration fee. At KBD, our standard is to give $2 million in liability insurance.