RE: Anyone dealt with an accident in QC while an ON resident?
good luck with that...
insurance companies are the hardest entities to deal with. I've been hit there times, all on the ontario side. Best to work things out with the driver - try to get them to cover everything up front - cost of bike, ripped clothing etc.. then comes the physio etc... need to go through insurance for that.
insurance companies are companies - they are there to make money.