QC-395: Bill 395: An Act to amend the Act respecting the Société de l’assurance automobile du Québec and other legislative provisions concerning rights granted on a vehicle

This bill primarily affects two groups in Quebec: private individuals selling their own vehicles, and used car dealerships. Private sellers must obtain a verification notice from the SAAQ before closing any passenger vehicle sale and face fines of $200–$300 for failing to do so — adding a mandatory administrative step to what many people treat as a simple transaction. Used car dealers must update the labels they affix to each vehicle on their lot to include the results of a search of the register of personal and movable real rights (RDPRM), meaning dealerships of any size will need to build this check into their standard inventory intake process. Dealers who already conduct these searches informally will face relatively minor adjustments, while smaller independent used car lots may need new procedures or staff training to comply. Buyers — whether purchasing from a private seller or a dealer — gain stronger legal protections and a new avenue for compensation if hidden encumbrances surface after the sale.