While the automobile insurance is in crisis in many Canadian provinces, the Québec scheme presents itself as a model to follow. This paper relates the genesis of the Québec scheme. It also shows that, despite the challenge of the no-fault principle, the staterun no-fault insurance system for bodily injuries fully compensates the losses sustained in car accidents by the great majority of Quebecers and that the private scheme of compensation for property damages based on tort liability has come to a great stability to the satisfaction of motorists.