The Fichier central des sinistres automobiles (FCSA) is a database that centralizes information collected from insurers regarding claims in which every policyholder has been involved over the past six years.
The FCSA is owned by the Autorité des marchés financiers and managed by Groupement des assureurs automobiles (GAA).
To view your claims history statement or have it verified
Understanding your Claims History Statement
Your Claims History Statement contains information sent to FCSA following an accident you were involved in. This information comes from your current or previous insurer, or the insurer for a motorist with whom you’ve had an accident.
Use our tool to help you understand your Claims History Statement.
If you want to know the circumstances for a claim on your Statement or if you notice an error, you can ask GAA to verify the information with the insurer.
However, GAA is not authorized to correct the information on your Statement without the insurer’s approval. Your insurance company must confirm that the information in your Claims History Statement matches that in its records.
To request a verification of the information in your Claims History Statement, you have several options:
Changing an insurer’s decision
GAA cannot change an insurer’s decision. In the event of an accident, your insurer establishes your level of liability (0%, 50% or 100%) before compensating you. It then sends that information to the FCSA. If you disagree with the level of liability you were assigned, you should discuss it with your insurer. Only they can change the information recorded in the FCSA.
Request for access or rectification under the Act
GAA is mandated by the AMF to process requests for access or rectification to the FCSA.
Under the Act respecting Access to documents held by public bodies and the protection of personal information (CQLR, c. A-2/1) (“Act respecting Access”), you have the right to access personal information that concerns you, as well as the right to correct information that is not correct, incomplete or ambiguous, or if the collection, communication or conservation of such information is not authorized under the law.
If you believe that the information contained in the FCSA does not reflect that of the insurer or if GAA refuses you access to your Claims History Statement, you can make an access or correction request under the Act respecting Access.