Need to Report a Hit and Run in Quebec? Here’s How

If you’ve just experienced a hit and run, you’re likely feeling overwhelmed, frustrated, and unsure of what to do next. In Quebec, reporting a hit and run isn’t just about recovering from the shock; it’s a legal obligation and a critical step in protecting your right to compensation.

In this guide, we walk you through the essential steps to properly report a hit and run in Quebec. From what to do at the scene, to contacting police services, filing with your insurance provider, and, if necessary, submitting a claim to the SAAQ, we explain everything you need to act fast and stay compliant!

What Is a Hit and Run?

A hit and run is a type of traffic collision where a driver is involved in an accident (whether it results in property damage, injury, or death) and leaves the scene without stopping to provide their information or assist those affected.

If you’re dealing with the aftermath of a hit and run on your own, Accident Solution can help. We support victims of hit and run collisions by handling relevant documentation, filing insurance claims, and seeking compensation through the SAAQ when private coverage falls short. We ensure your rights are protected and your case is presented clearly.

Get Help After a Hit and Run 

How to Report a Hit and Run in Quebec: 3 Key Steps to Follow

Step 1: Immediate Actions at the Scene

Stay Calm and Stop Your Vehicle

In any hit-and-run accident, you are legally required to stop your vehicle, even if the other party flees. Failing to remain at the scene can impact your eligibility for insurance claims and SAAQ compensation.

Call Emergency Services if Injuries Are Involved

If anyone is injured, dial 911 immediately. Emergency personnel, such as the SPVM (Service de police de la Ville de Montréal), will dispatch assistance. A timely response ensures safety and facilitates the collection of formal collision data for your collision report.

Collect Vital Evidence

While waiting for authorities or after calling, begin documenting the scene:

• Witness Information: Gather names, phone numbers, and any statements. If possible, note details such as the license plate number of the fleeing vehicle, its make, model, and direction of travel.
• Photographic Evidence: Take photos of your vehicle’s property damage, the surrounding area, road signs, and paint transfer if visible.
• Driver’s Particulars: If possible, record any identifying features of the driver who fled.

Do Not Pursue the Fleeing Driver!

Attempting to follow the other driver can put you at risk and can cause loss of valuable witness accounts. Leave the investigation to law enforcement and focus on documenting everything you can.

Step 2: How to Report to the Police

Under Quebec law, you must report the incident to the police within 48 hours. This requirement is especially important for initiating hit and run reports and potentially accessing enhanced accident benefits.

If You Have Witnesses or Investigative Details

If anyone witnessed the incident or if you have specific details that could help identify the fleeing driver (such as a license plate number, vehicle description, or photos), mention this to 911 or visit the nearest police station. The police will take an official report, which is required for both insurance and potential SAAQ compensation.

Special Instructions for Montreal (SPVM)

If the incident occurred in Montreal, the Service de police de la Ville de Montréal (SPVM) has a distinct policy:

• SPVM only accepts online or in-person reports for hit-and-runs if you have concrete evidence such as witness statements, photos, or identifying information about the other vehicle or driver.
• If you do not have witnesses or investigable details, SPVM may refer you to your insurance company directly instead of filing a police report.

This ensures that only actionable cases are pursued by investigators, while insurance providers handle straightforward damage claims without suspects.

Note on Other Jurisdictions

Outside Quebec, hit-and-run reports are often filed through specialized collision reporting centres. However, in Quebec, there are no such third-party centres. All hit-and-run reports must be made directly through police stations, either by phone or in person.

Information to Provide

Bring all relevant documentation:

• Photos of the accident
• Witness statements
• Description of the vehicle and plate number
• Your driver’s licence number and insurance slip

Always request a collision report form or a police report number as proof of police contact. This will be essential for your insurance company or an SAAQ claim.

Step 3: Notify Your Insurance Provider

Report the Incident Promptly

Contact your insurance company, ideally within 24 hours of the incident. Provide:

• The police report number
• Your driver’s license and proof of insurance
• Details from your collision report
• Photos and damage estimate, if available

How to File a Claim with the SAAQ (If Eligible)

If your insurance company refuses to cover the damage from a hit-and-run accident, and you meet specific criteria, you may be eligible to file a claim with the SAAQ for financial compensation.

What is the SAAQ?

The SAAQ stands for Société de l’assurance automobile du Québec. It is a provincial government agency responsible for:

• Administering Quebec’s public automobile insurance plan, which provides no-fault compensation to individuals injured in motor vehicle accidents, regardless of who was at fault.
• Issuing driver’s licences and vehicle registrations in Quebec.
• Managing road safety programs, including driver training, awareness campaigns, and traffic law enforcement support.

In the context of hit-and-run accidents, the SAAQ may provide financial compensation for property damage if the responsible driver is unknown and the victim meets specific eligibility conditions.

Eligibility Criteria for SAAQ Compensation

To qualify for financial assistance under the Quebec public automobile insurance plan, you must meet all of the following conditions:

• The collision occurred in Quebec.
• You are the owner of the vehicle (or damaged property).
• You are not entirely responsible for the accident.
• Your driver’s licence and vehicle registration were valid at the time.
• Your private auto insurance does not cover property damage from the hit-and-run.
• You hold civil liability insurance with a minimum coverage of $50,000.
• The incident was reported to the police within 48 hours.
• You submit your claim to the SAAQ within 60 days of the collision.
• The damage exceeds $500, after the deductible.

When Should You Consider a Claim with the SAAQ?

A claim with the SAAQ is typically considered when:

• The hit-and-run driver cannot be identified.
• Your auto insurance policy excludes or denies the claim under collision coverage.
• You do not have uninsured motorist protection or auto extension insurance for hit-and-run cases.

Required Documentation

When submitting your claim to the SAAQ, you’ll need to provide several key documents, including:

• A copy of the police report or confirmation that you reported the incident within 48 hours.
• A completed SAAQ claim form, available on their official website.
• Photographic evidence of the damage, ideally taken at the scene.
• A formal damage estimate from a licensed auto repair or auto glass shop.
• Your insurance slip and policy details showing the absence of collision coverage or high deductible.
• Proof that your driver’s license and vehicle registration were valid at the time of the incident.

Tip: Keep copies of all documents and correspondence, including any denial letters from your insurance provider, to support your claim.

What the SAAQ May Cover

If your claim is accepted, the SAAQ may reimburse:

• Costs of vehicle repair (beyond the $500 deductible)
• Property damage caused by the collision
• Certain additional expenses, depending on the case

This compensation is provided through the public automobile insurance plan, separate from any accident benefits coverage under private policies.

What Are My Rights and Responsibilities as a Claimant for Compensation From the SAAQ?

Is Filing a Claim with the SAAQ Worth It?

Yes, filing a claim with the SAAQ can be worth it if your insurance company denies coverage after a hit and run collision, especially when the other driver’s licence plate number or identity is unknown. The SAAQ provides compensation for property damage over $500 when private auto insurance doesn’t apply.

Professional Assistance for the SAAQ Claim Process

Navigating the SAAQ claim process can feel overwhelming, but that’s where we come in. At Accident Solution, we work alongside you to:

• Prepare your collision checklist, damage estimate, and all required accident report forms
• Make sure you don’t miss critical deadlines, like the 48-hour police report or the 60-day SAAQ submission
• Liaise with police partners and handle your file from start to finish

Our experience shines in situations where evidence is limited, like emergencies or motor vehicle collisions with no clear suspect. We know how to build strong claims even when details are scarce, so you’re not left navigating this alone.

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Accident Solution: Legal Support When You Need It Most

At Accident Solution, we help people navigate the legal and administrative challenges that follow a serious accident. Whether you’ve been injured in a workplace incident, a road traffic collision, or are the victim of a hit and run, we’re here to guide you every step of the way. With decades of experience and a multidisciplinary team, we take care of the complex procedures so you can focus on your recovery!

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