Has someone been injured? Call the competent authorities. You're in an accident and there are injuries. In this case, call 911 and ask for an ambulance and the police. And above all, stay calm.

Dealing with a fender bender


You're in an accident and there are no injuries. You don't need to have the police come for a minor fender bender. Fill out the Joint Report with the other driver. Even if the police do come for a fender bender, they're not the ones that establish the liability of each driver. It's your insurer that does when the claim is settled.

Don't have access to the Joint report app on your phone nor have a hard copy of the Joint Report handy? Don't panic! Write down the contact information for the other driver on a piece of paper: name, address, telephone number, driver's licence number, registration certificate and proof of insurance.

The claims settlement steps 

Call your insurer or broker as soon as possible. A claims adjuster will be allocated to your file.

The usual claim settlements steps for an insurer are:

  1. Verifying the validity of your auto insurance policy and the coverage included

  2. Establishing your liability in the accident

  3. Appraising the damages  to the vehicle

  4. Repairing or replacing the vehicle

Details on claim settlements for car accident can be found on the gaa.qc.ca.

Your insurer will indemnify you within 60 days following receipt of your request and the supporting documents. For a speedy claims settlement, make sure you have all the relevant documents handy.

Where to fix your damaged vehicle

You can have the repairs made at any garage you deem fit. Just give your insurer the garage’s name and contact information. But first make sure your insurer has authorized the repairs!

Your claims file

The number of accidents you have had in the previous six years and if you were at fault or not can be found in a data base that tracks claims. It is called the Fichier central des sinistres automobiles (FCSA).  It contains a record of every accident you've had with a car, motorcycle or off-road vehicle. The database is managed by Groupement des assureurs automobiles.

Who can consult it?

The FCSA is public. You can obtain and check all the accidents registered in your file for free.

An insurer from whom you request a quote will also consult your claims file to establish your auto premium. The premium generally takes into account the number of accidents you’ve had or claims you’ve made.

To consult your claims file

Find out how to proceed to consult your claims file on the Groupement des assureurs automobiles (GAA) website.

You can also ask for your file to be corrected is you find an error. Just follow the procedure detailed on the GAA website.

Auto prevention

Prevent your car from being stolen

Here are steps you can take to minimize the risk of having your vehicle stolen. Click to find out how.


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