Effective, simple and swift are three words that best describe our system (Gardner 2010)
A flattering description of
the Sociéte de L'Assurance Automobile du Québec (SAAQ, 2002), the government
agency that regulates Québec's no fault insurance system. Québec drivers insure
their vehicles against theft and vandalism; however, the SAAQ compensates for
personal injury and or lost wages. All Québecois drivers contribute
towards Québec's no fault insurance.
A portion of the
contribution derives from drivers licence fees and a much larger portion comes
from vehicular registration. Drivers do not have any choice in the matter, and
willingly contribute. Unfortunately, drivers in Québec have a false sense of
security that in the event of an accident, citizens won't have the burden of
dealing with loss of wages. Indeed, the SAAQ compensates car accident victims; however,
if the accident victim suffered injuries that prevent the victim from resuming
his/her activities indefinitely, then the SAAQ arbitrarily cesses compensation.
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