INSURANCE CLAIMS.
Quebec Insurance Rights & Direct Billing

INSURANCE CLAIMS.
YOU CHOOSE YOUR BODY SHOP.

Under Quebec law, you have the absolute legal right to choose your collision repair facility. We deal directly with all insurance adjusters and provide direct billing with zero paperwork stress.

Quebec Consumer Rights

ARTICLE 167 OF THE QUEBEC INSURANCE ACT

Insurance company call centers often try to 'steer' policyholders toward their preferred discount network shops. Under Quebec law, insurance companies cannot force you to use an affiliated body shop or void your warranty if you choose an independent shop.

Absolute Freedom of Choice

You have the right to select Northstar Auto regardless of what your insurance representative suggests.

100% Direct Insurance Billing

We submit itemized photo estimates and repair invoices directly to your insurer, so you pay only your deductible.

Superior Lifetime Warranty

We provide our own comprehensive lifetime bodywork and paint warranty that exceeds typical insurer partner shop guarantees.

ARTICLE 167 OF THE QUEBEC INSURANCE ACT

Processing digital estimate upload directly to insurance claim portals.

Supported Insurers

WE WORK WITH ALL QUEBEC INSURANCE PROVIDERS

We use standardized Mitchell and Audatex estimating platforms used by all Canadian insurance carriers.

Desjardins, Intact & Beneva

Fast track approvals and direct supplement communication for Quebec's largest insurers.

Aviva, TD Insurance & Belairdirect

Automated digital photo dispatch and claim number integration.

Deductible Assistance Options

Ask Jimmy about flexible payment options for your insurance deductible.

WE WORK WITH ALL QUEBEC INSURANCE PROVIDERS

Audatex computerized estimating platform aligning with Quebec insurer guidelines.

Q&A

Frequently Asked Questions

Clear answers regarding auto collision, insurance claims, paint matching, and warranties in Quebec.

01. Can my insurance company force me to use their preferred body shop?

No! Under Quebec law, you have the absolute legal right to choose any licensed collision repair facility. Your insurance company must work with your chosen shop.

02. Do I have to pay for the repairs upfront and wait for reimbursement?

No. We establish direct billing with your insurance provider. The insurer pays us directly for all authorized repairs; you only pay your applicable deductible upon vehicle release.

03. What if the insurance estimate misses hidden damage?

During vehicle teardown, we photograph all hidden structural or mechanical damage and submit a digital supplement directly to your insurance adjuster for immediate authorization.

04. Will using an independent shop void my insurance warranty?

No. Northstar Auto provides a written lifetime craftsmanship warranty on bodywork and paint, guaranteeing safety and quality.

Northstar Auto · Laval

Request a Free Estimate

Request a Free Estimate

Fill out the form below and our Laval team will get back to you shortly to schedule an appraisal or answer any questions.

Our Location

60 Rue Gélinas
Laval, QC H7M 2Z5
Quebec, Canada

Call Us

(514) 581-1433

Business Hours

  • Mon - Fri: 9:00 AM - 5:00 PM
  • Saturday: 11:00 AM - 2:00 PM
  • Sunday: Closed