Your insurance claims record  |   A new concept : custodian of the vehicle  |   Some helpful examples
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FCSA - Some helpful examples

To better understand the changes to the claims attribution rules.

Jack and Susan live in the suburbs.

The couple shares two vehicles :

• A minivan, owned by Jack, who is the policyholder and principal driver.
• A sedan, co-owned by the couple, with Susan as the policyholder and principal driver.

Ben, the couple's son, occasionally drives one or other of these two vehicles

Case	Description	Before April 1, 2009	Since April 1, 2009
Collision with driver	Ben was involved in a collision while at the wheel of his father's minivan.	The claim was attributed to Ben, the driver at the time of the accident. The claim was also recorded in Jack's file, since he was the insured and designated principal driver of the damaged vehicle. The insurer's investigation also concluded that Ben was 100% responsible for the accident. This information was recorded in both Ben's and Jack's files.	The insurer's investigation determined that Ben was the custodian of the vehicle at the time of accident. The claim was recorded in Ben's file only. The insurer's investigation concluded that Ben was 100% responsible for the accident. This information was recorded in Ben's file.
Collision without driver, including hit and run	The minivan suffered damage while parked in front of the family residence.	The claim was attributed to Jack, the insured and designated principal driver of the damaged vehicle.	The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident. The claim was recorded in Jack's file.
Collision with an animal or object	Susan hit a deer while driving her husband's minivan.	The claim was attributed to Susan, the driver at the time of the accident. The claim was also recorded in Jack's file, since he was the insured and designated principal driver of the damaged vehicle.	The insurer's investigation determined that Susan was the custodian of the vehicle at the time of accident. The claim was recorded in Susan's file.
Theft	The couple's sedan was stolen from the parking lot of the restaurant where Jack and Susan celebrated their 25th wedding anniversary.	The claim was attributed to Susan, the insured and designated principal driver of the damaged vehicle.	The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident. The claim was recorded in Jack's file.
Damage caused by hail	The minivan was damaged by hail. The vehicle was parked in the parking lot at Susan's place of work.	The claim was attributed to Jack, the insured and designated principal driver of the damaged vehicle.	The insurer's investigation determined that Susan was the custodian of the vehicle at the time of accident. The claim was recorded in Susan's file.
Vandalism	Susan's sister, Mary Jane, borrowed the family sedan during a visit with Susan. The vehicle was vandalized in a shopping centre parking lot.	The claim was attributed to Susan, the insured and designated principal driver of the damaged vehicle.	The insurer's investigation determined that Mary Jane was the custodian of the vehicle at the time of accident. The claim was recorded in Mary Jane's file.
Broken windshield	A stone shattered the windshield of the family sedan, which was being driven by Ben, who was on his way to the country to spend a weekend with friends.	The claim was attributed to Susan, the insured and designated principal driver under the policy.	The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident. This information was obtained during a complementary investigation and sent to Susan, the insured. The claim was recorded in Ben's file.

Notes

• These examples are provided for information only. The insurer's investigation will determine the custodian of the vehicle at the time of accident.
• The insurer sends a notice to every insured whose vehicle was involved in a claim reported to it.
• Under certain circumstances, the insurer will also notify the vehicle custodians that the claim is being attributed to them and forwarded to their file at the FCSA.