In Quebec, Canada, vehicle and property damage claims are covered by private insurers. The Automobile Insurance Act of Quebec requires all vehicles to take out a minimum of $50,000 in coverage from a private insurer; this is termed Section A on an insurance policy.

Section A (civil liability) covers any damage you may cause to the property of a third party in an accident that occurs in Quebec. In addition to Section A, you can purchase insurance to cover physical damage to your vehicle. This is termed Section B of your policy and is optional.

In Quebec, they have direct compensation for property damage to vehicles. This means your own insurer compensates you for the loss of use of your vehicle and the share of damages the other driver is legally responsible for.

Some insurance companies allow for your current auto policy to provide for automatic coverage for a newly acquired vehicle, as long as your insurer is notified within 14 days and you have all of your other vehicles insured with the same company. If you have insurance on your other vehicles, check with your auto insurance company to see if you are covered for this accident.

If you are completely uninsured for the vehicle, you can try to see if you can put in a claim with the at-fault person's liability insurance. If you are unable to do so, then it is likely that this accident will make the vehicle a total loss that you and your husband will have to pay for.

The Basics of Canadian Car Insurance is an article that might be of help to you when you obtain canadian car insurance on your next vehicle.