What to do next
Identify what was actually decided
Refusals commonly concern whether the injury resulted from the accident, the degree of impairment, entitlement to income replacement, or the funding of specific treatment. Each needs different evidence.
Request review within the period stated
The decision letter sets out the review deadline. It is short and strictly applied, and a review is normally required before the TAQ.
Build the medical file
Consistent treatment records, specialist reports addressing causation and function, and evidence of income loss are what change these decisions. Keep every receipt and appointment record.
Frequently asked questions
Can I sue the other driver instead?
For bodily injury, generally no. Quebec's public no-fault scheme compensates injury regardless of fault and removes the right to sue for it. Property damage is handled by private insurers.
Does being at fault reduce my compensation?
No. Entitlement for bodily injury does not depend on fault — that is the core of the Quebec regime.
Where does a contestation go?
After the SAAQ's review, to the Tribunal administratif du Québec, within the period stated in the review decision.
Do I need a lawyer?
Many claims proceed without one. Advice is most valuable for permanent impairment, income replacement disputes, and contested medical evidence.
This is general information, not legal advice. Laws vary by location and every situation is different — speak with a qualified lawyer about your specific circumstances.