What is the automobile claims history statement?
You’re shopping around for new auto insurance and the agent you’re talking to says your file shows you’ve had three accidents …. What file is he talking about?
He’s referring to your Fichier central des sinistres automobiles (FCSA) claims history statement. The FCSA is a data base that tracks any loss that Quebec drivers have been involved in over the past six years. The FCSA is a tool that your insurer uses to establish your premium. It’s managed by Groupement des assureurs automobiles (GAA).
How can you check the information on file?
You can make an online consultation request to obtain an electronic copy of your claims history statement.
A loss that you didn’t declare to your insurer still appears in your file. Why?
That little fender bender you had last year appears in your file because the other driver involved declared it to his insurer.
It’s better to declare the fender bender yourself to your insurer, even if you don’t file a claim. You can then give the insurer your version of the facts and he will determine your level of responsibility in the accident and register it in the FCSA.
The accident you had with your brother’s truck appears in your file. Why?
In the FCSA, the loss is recorded in the name of the person who was driving the vehicle at the time of the accident.
Notice an error in your file? What should you do?
You can ask to have your claims history statement corrected using the on-line procedure. One of our agents will then check your file.
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