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Insurance
Claims
What to do in case of:
A VEHICLE CLAIM
A RESIDENTIAL CLAIM
AN EMERGENCY
REPORT
A CLAIM
VEHICLE CLAIM
In
Case of Damage or Theft
If your vehicle has been damaged, vandalized or stolen,
contact your insurance company or broker immediately. The sooner you file
a claim, the faster it will be settled. The Civil Code requires policyholders
to inform their insurers of losses as soon as they are known.
Once the insurer has received the policyholder's statement, and the necessary
supporting documents Joint Report
or police report, depending on the case), the insurer has 60 days to compensate
the policyholder according to the terms of the contract.
The Direct Compensation Agreement prescribed by the Automobile Insurance
Act provides insurers with an effective tool for handling claims. The
guidelines contained in this official document allow insurers to determine
the policyholder's degree of fault and establish the compensation to be
paid.
The claims compensation process usually involves the following steps:
- accident report
or Joint Report (if no one is
injured) is completed at the scene of the accident;
- statement is made
to the insurer or broker; damage is assessed by an approved appraisal
centre or certified appraiser;
- insurer determines
the policyholder's degree of fault;
- repairs are made
at a garage recommended by the insurer or chosen by the policyholder,
OR . . . . . . if the vehicle is declared a write-off, compensation
is awarded according to the terms of the contract.
A Few Tips
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The
faster a claim is filed, the faster it is settled.
-
Reread
your insurance policy occasionally to ensure that its coverage still
meets your needs.
-
No
riders are mandatory, but each one can prove useful: discuss them
with your broker.
-
It
is possible to opt for liability insurance and selected optional coverage
only; however, off-road vehicle users must carry the minimum amount
of liability insurance mandated by law: $500,000.
-
If
the vehicle is damaged in an accident, the insurer will take into
account the driver's degree of fault when determining compensation.
-
Where
possible, use the Joint Report
(as long as no one has been injured); this will speed up the claims
process.
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If
you are the victim of a criminal act such as a theft, vandalism
or hit & run, the first step is to notify the authorities.
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In
case of bodily injury, call the proper authorities. Report your
claim to us without delay.
- If
you have suffered a major loss outside our regular business hours, contact
your insurer's "Emergency Call Service".
Damage Appraisal
In Quebec, the Groupement des assureurs automobiles (GAA) oversees the activities
of 21 approved appraisal centres and 53 accredited firms. Between them,
they carried out no less than 111,227 damage estimates in 1999.
As stipulated in the Automobile Insurance Act, the GAA ensures that car
damage appraisal is carried out according to best practices. The rigorous
standards applied to estimators working in appraisal centres and accredited
firms, as well as to those working directly for insurers or repair people,
leave no room for improvisation or subjectivity.
Appraisers must first pass an exam to earn their letter of good standing,
then obey the code of professional conduct, and abide by the quality-control
standards stipulated by the GAA.
- If
you are the victim of a criminal act such as a theft or vandalism,
contact the police department in your area.
- In
the event of a theft, take all the means necessary to secure your
house. Don't hesitate to replace a glass or repair a door. Keep the
replaced parts to show your adjuster. Make a list of all stolen items
and join it to all documentation such as bills, instruction manuals
or pictures.
- For
a burst pipe, you can replace it and keep the old one. The replacement
of the pipe itself won't be covered but the ensuing damages will be.
- For
a loss for which the liable party is identified, you will be indemnified
for your damages less your deductible. To recover your deductible,
you will need to address a Demand Letter to the third party. Your
insurer cannot legally claim your deductible on your behalf.
- If
you suffer a major loss outside our normal business hours, contact
your insurer's "Emergency Call Service".
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EMERGENCIES
In
the event of a major loss occurring outside our regular business hours,
please call your Insurance companies Emergency Service number
Emergency
Service Numbers
Aviva: 1-866-692-8482
Elite (Mobile-Homes): 1-866-692-8482
Elite/Leclerc (Travel Trailors): 1-800-590-5003
ING: 1-800-363-9701
Jevco: 1-800-361-8500
Kingsway: 1-514-919-8339*
Maxneige: 1-866-938-1570 x 304
Pembridge (Pafco): 1-877-463-2727
L'Union Canadienne: 1-800-873-2424
*Collect calls accepted
If you do report a major claim directly to your insurance company,
you will still have to advise our office on
the next business day.
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Useful documents for our clients:
Request
password
-Why
are insurance premiums increasing?
-522 Kg
-Mechanical
Inspection Guide
-3.5 Mg
-Joint Accident
Report
-340 Kb
-Q.E.F. no
1 Automobile Policy Wording
192 Kb
-Personal
Inventory Sheet
-68 Kb
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