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Automobile

Automobile accident

You've had a car accident. It's always your insurer who indemnifies you, regardless whether or not you were liable for the accident. Be careful however! The compensation will depend on your policy coverage and your liability in the accident.

Your insurer always assesses your degree of liability. He does that to establish the compensation to which you'll be entitled. Are you 0%, 50% or 100% liable? He'll establish your liability using a document entitled Direct Compensation Agreement.

Not at-fault accident?

You weren't at fault for the accident? You'll be compensated by your insurer if you didn't purchase Collision coverage. And you won't have to pay the policy deductible.

Texting while driving?

Do you text message while you drive? Watch out! You could cause a serious car accident.

At-fault accident?

Were you at fault for the accident and was your car damaged? You will be compensated if you purchased Collision or All Perils coverage under Section B of your policy. You'll have to pay the policy deductible.

Rundown of a settlement process in a car accident

Settlement process in a car accident

Contact your insurer Assess the liability Appraise the damage Agree on a settlement Indemnity payment

Call your insurer or broker as soon as possible. Send him a copy of the duly completed Joint Report or the police report number.

Your insurer will assess your liability in the accident.

Your insurer will examine your vehicle to appraise the damage and establish the cost of repairs. He may suggest a garage for the repairs. You may also choose your own.

Your insurer will repair or replace your car depending on the extent of the damage. The settlement will respect the terms and conditions under your policy.

Depending on the agreement, your insurer may indemnify you or reimburse the garage directly.

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