Automobile

Automobile accident

What should you do if you're in a car accident? Do you always need to call the police and create a monster traffic jam during rush hour? You might be surprised to know that you don't always have to call the police.

Has someone been injured? Call the competent authorities

You're in a car 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 a car accident and there are no injuries. You don't need to have the police come for a minor fender bender. Take out the Joint Report from your glove compartment and fill it out 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 a 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.

Where to fix your damaged car

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

Five-step process

Discover the five-step process in case of accident. 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.

Payment

Garage recommended by your insurer

You don't have to handle the payment. Your insurer will issue the cheque directly to the garage.

Your garage

Your insurer will issue a cheque in your name and that of the garage. You must endorse it and remit it to the garage once you're satisfied the repairs have been made.

Short-term rental of a vehicle (Endorsement 20).

This coverage allows you to rent a vehicle for a specified period of time, should you lose the use of your vehicle following an accident.

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.

Répondez au quiz!