No one wants to have an accident. However, if it does happen, you could take steps to minimize problems.

  • If there are injuries
    • Immediately call emergency services (such as 911).
    • Check for any potential risks at the accident scene and take steps to avoid them.
  • If there are no injuries
    • Complete a joint report. This document explains the circumstances of the accident to your insurer. You can order a copy at any time by contacting the Groupement des assureurs automobiles This link will open in a new window (GAA). If the police complete a report (because there were injuries, for example), then you don’t need to fill out a joint report.
    • Jot down the names and telephone numbers of any witnesses.
    • Don’t hesitate to take pictures.

Notify your insurer as soon as possible

If you delay in doing so without a valid reason and this leads to more serious losses, you may not be compensated.  

  • Do not admit any responsibility
    • You don’t have to determine who is responsible for the accident. Even if you believe you are responsible, don’t say anything.
  • Do not abandon your vehicle at the scene of the accident
    • Protect your vehicle from any further damage. If necessary, have it towed to a secure location where it will be protected. If your vehicle causes another accident, you could be held liable for it.
  • Contact your insurer as quickly as possible
    • You must explain what happened to your insurer, even if you don’t intend to submit a claim. This obligation is mentioned in your insurance contract! You must specify:
      • The probable cause of the accident
      • The nature and extent of damages
      • The location of your damaged vehicle
  • Co-operate with your insurer
    • You must allow your insurer to examine the vehicle, its equipment and accessories.
    • You must co-operate with your insurer to establish how the accident occurred and other details.
  • Wait for your insurer’s approval before repairing the vehicle
    • If you intend to claim the cost of the vehicle repair from your insurer, you must wait for its authorization before:
    • Having your vehicle repaired;
    • Paying for the repairs.

To find out what to do in the event of an accident, read the “Reporting a loss and submitting a claim” section on page 20 of the Quebec Automobile Insurance Policy Form.

End of the insight