In case of an accident, to whom will the accident be attributed in the Fichier central des sinistres automobiles (FCSA)? It all depends on the circumstances.
Let's take for the example Jack and Susan who live in the suburbs. The couple shares two vehicles:
- A minivan, owned by Jack, who is the policyholder and principal driver
- A sedan, co-owned by the couple, with Susan as the policyholder and principal driver.
Ben, the couple's son, occasionally drives one or other of these two vehicles.
Case
Description
The claim is attributed to :
- Collision with driver
- Collision without driver, including hit and run
- Collision with an animal or object
- Theft
- Damage caused by hail
- Vandalism
- Broken windshield
Ben was involved in a collision while at the wheel of his father's minivan.
The insurer's investigation determined that Ben was the custodian of the vehicle at the time of accident.
The claim was recorded in Ben's file only.
The insurer's investigation concluded that Ben was 100% responsible for the accident. This information was recorded in Ben's file.
The minivan suffered damage while parked in front of the family residence.
The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident.
The claim was recorded in Jack's file.
Susan hit a deer while driving her husband's minivan.
The insurer's investigation determined that Susan was the custodian of the vehicle at the time of accident.
The claim was recorded in Susan's file.
The couple's sedan was stolen from the parking lot of the restaurant where Jack and Susan celebrated their 25th wedding anniversary.
The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident.
The claim was recorded in Jack's file.
The minivan was damaged by hail.The vehicle was parked in the parking lot at Susan's place of work.
The insurer's investigation determined that Susan was the custodian of the vehicle at the time of accident.
The claim was recorded in Susan's file.
Susan's sister, Mary Jane, borrowed the family sedan during a visit with Susan.The vehicle was vandalized in a shopping centre parking lot.
The insurer's investigation determined that Mary Jane was the custodian of the vehicle at the time of accident.
The claim was recorded in Mary Jane's file.
A stone shattered the windshield of the family sedan, which was being driven by Ben, who was on his way to the country to spend a weekend with friends.
The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident.
The claim was recorded in Ben's file.
Notes
- These examples are provided for information only. The insurer's investigation will determine the custodian of the vehicle at the time of accident.
- The insurer sends a notice to every insured whose vehicle was involved in a claim reported to it.
- Under certain circumstances, the insurer will also notify the vehicle custodians that the claim is being attributed to them and forwarded to their file at the FCSA.