Claims experience

Collision and upset frequency

Despite the fact that the number and frequency of claims is either dropping or holding steady, the cost of vehicle repairs keeps on increasing.

  • The cost of repairing an automobile averaged between $6,291 and $7,024 in 2022, up 16% on 2021. For both collision and liability claims, the average cost of claims has risen steadily from 2012 to 2022. The increases are 72% for collision and upset coverage and 97% for third-party liability during this period.

Note: Under direct compensation coverage, damages to the vehicle of the driver not responsible for the accident are paid as civil liability.


  • From 2012 to 2019, the number and frequency of civil liability/collision claims held relatively steady. The number/frequency dropped significantly in 2020 due to the pandemic. For the years 2021 and 2022, the number and frequency of claims are set to rise again.

Claims at a glance: Collision and upset | Civil liability

In 2022

The average cost of claims was $7,024 | $6,291

The number of claims was 167,050 | 158,049

The claims frequency was 3.77% | 2.9%

Source: GROUPEMENT DES ASSUREURS AUTOMOBILES, Automobile Statistical Plan, General results, Passenger vehicles, 2022.

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