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Yes the SAAQ pays for your injury. But we pay 100$ a year to have a licence and 200$ for registration of the car. If you have demerit points (tickets) the cost increase to a maximum of almost 400$.
We pay less for insurance cause we are not covered for injury, the SAAQ pays. Now I'm paying around 650$ to insure my 2 cars (around 10k km a year) cause I have no infraction or insurance claims.
We are living in a socialist state and there's nothing great about it believe me.
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