Reporting vs. claiming damage – what’s the difference?
Articles 2470 and 2471 of the Civil Code of Québec (CCQ) state that insured persons must report damages and the circumstances surrounding them to their insurer. Therefore, under these articles, you are legally required to report all damages, even minor ones!
Reporting: The importance of Quebec’s automobile claims database
Another good reason to comply with this obligation is the Fichier central des sinistres automobiles (FCSA), Quebec’s automobile claims database. This is a database managed by the Groupement des assureurs automobiles (GAA), an association of automobile insurers, which records all claims involving motor vehicles reported to an insurer in Quebec over the past six years. Insurers use the FCSA to assess the risk associated with a driver who is taking out or renewing an insurance policy.
Suppose you are involved in a fender bender in a parking lot and you decide to pay for the damages out of your own pocket, without reporting it, in the hope of maintaining your good record. However, the other person involved in the accident decides to report the damages. As a result, the damages are added to your FCSA file anyways, but the liability recorded for the accident may not reflect what actually happened.
Is submitting a claim always the best thing to do?
Not necessarily! Whether it’s a car insurance or home insurance claim, filing a claim for a small amount is generally not worthwhile. Sometimes it’s better to pay for minor repairs yourself. If you can keep your file claim-free, you’ll certainly benefit from preferred pricing!
iA Insurance: Your partner in the event of a claim
At iA Auto and Home Insurance, we believe that good service is based on clarity, trust and prevention. Our advisors are here to guide you, whether you choose to simply report the incident or proceed with a claim.
Why choose iAAH?
- Personal support tailored to you
- Easy online claim reporting tools
- Coverage designed for your life
- Fair pricing, based on your actual history
In summary: should you report or claim?
| Action | Mandatory | Impact on your file | Impact on your premium |
|---|---|---|---|
| Report | Yes | Ensures the FCSA is accurate | No, in general |
| Claim | No | May result in higher premiums | Yes, depending on the context |
Need advice?
Don’t hesitate to contact us if you’re wanting to shop around for new auto insurance. One of our insurance agents will be happy to assist you and answer all your questions.
My Client Space : Auto and home insurance
Manage your auto and home insurance online easily and securely, whenever you want.
Need advice?
Don’t hesitate to contact us if you’re wanting to shop around for new auto insurance. One of our insurance agents will be happy to assist you and answer all your questions.
My Client Space : Auto and home insurance
Manage your auto and home insurance online easily and securely, whenever you want.
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