Make sure you cease on the scene of the car accident and notify the police division immediately in regards to the accident. If the certificates of insurance is just not issued upon acceptance, the insurer must ship, with out cost, at the time of acceptance, a temporary certificate for a interval of twenty-one days; such certificates should set forth the particulars provided for in paragraphs 1, 2 and 4 to 6 of section ninety seven and the date of expiry of the certificates.
An approved insurer is an insurer authorized to transact automobile insurance coverage below the Act respecting insurance coverage ( chapter A-32 ), holding a permit issued by the Autorité des marchés financiers, except a person who transacts completely in reinsurance.
At the expiry of such interval of 60 days, an insurance coverage contract shall not be cancelled by the insurer except within the case of an aggravation of danger which is more likely to materially affect a reasonable insurer within the determination to continue to insure, or when the premium has not been paid.
A victim who, by purpose of the accident, is deprived of normal benefits or employment advantages established to assist in obtaining expertise for employment through a coaching program beneath the Act respecting employment insurance in Canada (Statutes of Canada, 1996, chapter 23) to which he was entitled on the time of the accident is entitled to receive a further indemnity computed on the idea of the benefits that may have been paid to him.
The legal responsibility of the owner extends even past the minimal compulsory amount of insurance; the insurer is immediately liable in the direction of the victim for the fee of any indemnity which may be payable to him, as much as the quantity of the insurance subscribed.