How much is a fracture claim worth in Quebec?

Quebec fracture settlements start from the Canada band of C$20,000 to C$100,000 shown on this page, adjusted for Quebec's fault rule (no-fault statutory scheme) and any applicable state cap. The position within the band turns on severity, prognosis, recovery time, and the strength of the medical paper trail.

What is the statute of limitations for fracture claims in Quebec?

3 years for civil action under Civil Code. Source: Code Civil du Québec, art. 2925. Filing after the period expires generally bars the claim absent a tolling exception.

Do Quebec's damages caps reduce fracture settlements?

Yes — Quebec applies the following caps that may bear on a fracture claim: Andrews cap (non-pecuniary). Caps are applied to the gross award before any fault-allocation reduction.

Does Quebec require no-fault first-party recovery for auto-related fracture claims?

Yes. Quebec requires PIP first-party recovery before tort-based claims. Société de l'assurance automobile du Québec (SAAQ) administers no-fault auto. No tort recovery for motor injury since 1978 reform.

Should I hire a Quebec fracture attorney?

For all but the most modest claims, yes. Quebec's fault rule and caps materially affect the calculus, and adjusters value represented claims significantly higher. Most Quebec personal injury attorneys work on contingency (33–40% typical), with no fee unless you recover.

★ Quebec · fracture

Fracture settlements
in Quebec.

By MyClaimWorth EditorialReviewed by Abd Shanti, FounderPublished 9 May 20266 min read

Quebec is Canada's only civil-law jurisdiction and operates a SAAQ no-fault auto scheme that bars tort recovery for motor injury since 1978. For fracture claims specifically, the Canada band on this page is adjusted for Quebec's no-fault statutory scheme and any applicable statutory cap.

Quebec operates within a no-fault statutory scheme that channels fracture claims away from common-law tort recovery and into a first-party benefits framework. The scheme typically requires the claimant to exhaust statutory benefits (medical, wage loss, rehabilitation) before a residual tort claim becomes available, and even then only above an impairment or expense threshold. This materially compresses the lower end of the fracture settlement band relative to traditional tort jurisdictions.

Quebec's caps (andrews cap (non-pecuniary)) apply to the non-economic component of fracture damages and can compress upper-tier verdicts. The exact application depends on the cause of action and the head of damage; the caps section on this page sets out each ceiling and the conditions under which it bites.

★ band · Canada level

C$20,000 to C$100,000

Wrist or arm fracture

MyClaimWorth estimate

The Canada band is the starting point. Quebec's fault rule and any applicable cap then adjust the figure.

★ QC · statute of limitations

3 years for civil action under Civil Code

Code Civil du Québec, art. 2925

★ QC · fault rule

No-fault statutory scheme

Motor injury is administered under SAAQ no-fault scheme, no tort recovery available for motor injury. Civil-code damages apply outside the motor sphere.

★ QC · caps

What caps recovery.

Statutory caps that may bear on a fracture settlement in Quebec.

Andrews cap (non-pecuniary)
Non-pecuniary loss in non-motor PI
about C$470,000 in 2025 (applied via Civil Code)
Andrews trilogy applied through Civil Code

★ fracture · same region & fault regime

Compare to like jurisdictions.

How Quebec's fault rule and limitation period compare to jurisdictions in the same Canada region and to those running the same fault rule for fracture claims.

Jurisdiction	Fault rule	Limitation	Fracture page
Quebec · you are here	No-fault statutory scheme	3 years for civil action under Civil Code	—
Manitoba	No-fault statutory scheme	2 years from discoverability	MB · fracture
British Columbia	Common-law contributory reduction	2 years from discoverability	BC · fracture →
Alberta	Common-law contributory reduction	2 years from discoverability	AB · fracture →
Saskatchewan	Common-law contributory reduction	2 years from discoverability	SK · fracture
Nova Scotia	Common-law contributory reduction	2 years from discoverability	NS · fracture
New Brunswick	Common-law contributory reduction	2 years	NB · fracture
Newfoundland and Labrador	Common-law contributory reduction	2 years	NL · fracture
Prince Edward Island	Common-law contributory reduction	2 years from discoverability	PE · fracture
Yukon	Common-law contributory reduction	2 years	YT · fracture
Northwest Territories	Common-law contributory reduction	2 years	NT · fracture
Nunavut	Common-law contributory reduction	2 years	NU · fracture
Ontario	Common-law contributory reduction	2 years from discoverability	ON · fracture →

★ QC · fracture · frequently asked

Common questions.

Each answer is independently coherent and references the relevant statute or authority document.

How much is a fracture claim worth in Quebec?
Quebec fracture settlements start from the Canada band of C$20,000 to C$100,000 shown on this page, adjusted for Quebec's fault rule (no-fault statutory scheme) and any applicable state cap. The position within the band turns on severity, prognosis, recovery time, and the strength of the medical paper trail.
What fault rule applies to fracture claims in Quebec?
No-fault statutory scheme. Motor injury is administered under SAAQ no-fault scheme, no tort recovery available for motor injury. Civil-code damages apply outside the motor sphere.
What is the statute of limitations for fracture claims in Quebec?
3 years for civil action under Civil Code. Source: Code Civil du Québec, art. 2925. Filing after the period expires generally bars the claim absent a tolling exception.
Do Quebec's damages caps reduce fracture settlements?
Yes — Quebec applies the following caps that may bear on a fracture claim: Andrews cap (non-pecuniary). Caps are applied to the gross award before any fault-allocation reduction.
Does Quebec require no-fault first-party recovery for auto-related fracture claims?
Yes. Quebec requires PIP first-party recovery before tort-based claims. Société de l'assurance automobile du Québec (SAAQ) administers no-fault auto. No tort recovery for motor injury since 1978 reform.
Should I hire a Quebec fracture attorney?
For all but the most modest claims, yes. Quebec's fault rule and caps materially affect the calculus, and adjusters value represented claims significantly higher. Most Quebec personal injury attorneys work on contingency (33–40% typical), with no fee unless you recover.

★ all of QC

Quebec overview

Fault rule, statute, caps, and key facts for Quebec as a whole.

★ national frame

Fracture in Canada

Fracture band structure and severity tiers at the Canada level.

★ all 15 countries

Fracture · everywhere

Cross-jurisdiction comparison of fracture bands.

★ editorial note

Figures on this page are starting points: the Canada band adjusted for Quebec's statutory framework. They are not quotes for any specific case. For representation, consult a lawyer licensed in Quebec. See /methodology, /sources, and /disclaimer.

Fracture settlementsin Quebec.

Fracture settlements
in Quebec.