All accidents for which a claim was paid by an insurer are reported to the FCSA. Your claims history statement indicates your percentage of liability: 0%, 50% or 100%.

Here is how liability is determined

The FCSA has all claims in which you were involved, whether with your own vehicle, your employer’s vehicle or a borrowed vehicle.

When an insurer pays a claim, they must report that accident to the FCSA. In order to do so, they must determine who was the driver or custodian of the vehicle at the time of the accident.

The FCSA has all claims in which you were involved, whether with your own vehicle, your employer’s vehicle or a borrowed vehicle.

When an insurer pays a claim, they must report that accident to the FCSA. In order to do so, they must determine who was the driver or custodian of the vehicle at the time of the accident.

When an insurer pays a claim, they must report that accident to the FCSA. In order to do so, they must determine who was the driver or custodian of the vehicle at the time of the accident.

If no one was driving the vehicle (e.g., if it was parked), the accident is added to the claim statement of the person who had custody of the vehicle at the time of the accident.

Often, it appears twice to show the information from your insurer and that from the insurer of the other party. This happens if the information provided by each insurer is not identical.

You can request that we verify the information. We will contact the insurer on your behalf.

If our analysis confirms that there was an input error, the statement will be corrected.

Request a verification

Only your insurer can change this information. Discuss it with them.

Here is how liability is determined

Insurers are responsible for reporting the information concerning the claims they pay to the FCSA. If you believe there is an error in your claims history statement, we can verify the information by contacting the insurer who reported it.

If our analysis confirms that there was an input error, the claims history statement will be corrected.

Request a verification

An accident in your claims history statement may have been added by:

• your insurer, whether it has paid you for a claim or not 
  and/or
• the other party’s insurer, if there is one

If the accident occurred with your employer’s vehicle or a borrowed vehicle, the insurer who paid the claim will add the accident to your statement as the vehicle’s driver or custodian.

Your claims history statement will always indicate which version it is (your insurer or that of the other party involved).

Learn more about the versions

We recommend that you request a verification on our website. Next, you can ask us to verify the information on your statement. If our analysis confirms that there is an error, your statement will be corrected.

Only your insurer can give you information about the claims it has paid. Discuss it with them.

If it is a recent accident that you received payment for, we recommend that you make another consultation request. There is always a delay between the payment and the accident being reported to the FCSA.

If it is an older accident that you did not receive payment for, it’s normal that this accident is not on your claims history statement. You were right to inform your insurer of your accident. If the other party involved had made a claim with their own insurer, your insurer would have your version of events. Your version would have offset the other party’s version.

Learn more about the versions

You must declare any accident even if you do not plan to file a claim. Why?

1. If the other party makes a claim, their insurer will report the accident to the FCSA and will name you as an involved person.
   
   
2. If you contact your insurer, it will be able to determine whether you were responsible for the accident and add the information to your statement.

Reporting an accident does not mean you have to claim it!

Learn more about liability percentage