No-fault car insurance refers to situations where the cause of an accident doesn’t affect compensation. In Layman’s terms, you cannot be sued for causing bodily injury to another person as a result of a car accident you’re responsible for. In Quebec, it refers specifically to a car accident in which a person is injured. Unlike in the USA or other provinces in Canada, car insurance policy holders cannot be sued for any injury or physical harm caused to another Quebec driver as the result of a vehicle accident. The Société de l’Assurance Automobile du Québec (SAAQ) covers this through the registration fee of your driver’s license, so as far as insurance is concerned, it doesn’t matter who was at fault in these types of accidents. This is part of the reason Montreal car insurance prices are among the lowest in the country.