Definition : - Civil liability insurance certificate

Document by which the insurer confirms the existence (at the date of delivery) of an insurance policy that a person is well covered for the damage he or she may cause to others. The certificate proves that the insured has a liability guarantee, which means that in the event of injury, insurance will replace him to repair the damage (and thus pay compensation) that he would have caused by his fault, negligence or recklessness.

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Although the law (1064.1 of the Civil Code of Quebec) and our declaration of co-ownership are explicit, there are still some co-owners who refuse to provide the board of directors with proof of insurance. Questions: What means does the syndicate have to obtain this evidence? How do we enforce this section of the Civil Code of Quebec? Is there a government agency that has the authority to demand that evidence?
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A co-owner may be liable to the syndicate, the other co-owners and the occupants of the immovable. As stated in Article 1457 of the Civil Code of Québec, every person has a duty not to harm others. As a co-owner, you must be careful and abide to the appropriate rules of conduct in accordance with the context and circumstances. Otherwise, you engage your civil liability and are required to remedy (financially third parties for moral or property damage and  personal injury.Therefore, co-owners must take out civil liability insurance covering in particular claims arising from their private portion.    
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