Automobile insurance comes with its own set of features. Here are some answers for common questions.
There are many features that automobile insurance offers. Here are some common questions. Consumers with questions about their car insurance may call their professional for help. They are qualified and trained to provide advice. Expertise in claims settlement.
1. I was involved in a minor collision and I am responsible. I have decided to pay the costs. Should I report it to my insurance company, my agent or my damage insurance broker?
It is always better to report an automobile accident immediately to the insurer, even if there is no claim. All Quebec car insurers have access. This directory contains all Quebec car claims from the past six years. It does not matter if there was a claim. This file is the property the Financial Markets Authority. It has delegated its management the Automobile Insurers Group..
Some consumers don’t want to report an accident, fearing that their insurance costs will rise. Even if your insurer agrees to pay for the repairs to your vehicle, you can still file the claim at the Central File. If necessary, your insurer may have both the information and the version of other motorist. It is better to report the accident to your insurer to ensure that your version of events is considered when determining the responsibility. This will be recorded in the Central File. The insurance adjuster will then be able determine your level of liability in the accident.
2. Is the other driver responsible for the accident? Will his insurance pay for the vehicle damage?
No, every insurer compensates his insured for any material damage to the vehicle. In 1978, the Automobile Insurers Group negotiated the Direct Compensation agreement to simplify compensation.. This agreement states that the victim who suffers material damage to his vehicle must be compensated by his insurer if the collision occurs in Quebec.
If the insured does not have to be held responsible for damage, his insurer will pay him for it. However, if the insured has to be held liable for damages, the insurer will pay him according the terms of his contract and the deductible.
Click here for more information about the Direct Compensation Convention. For more information, see also the article “Automobile accident and liability: whose fault is it? “
3. What is it?
In Quebec, it is the Public Automobile Insurance Plan administered by the Société de l’assurance automobile du Québec which, since 1978, has compensated anyone residing in Quebec for bodily injury suffered during an automobile accident, anywhere in the world, regardless of liability. This is known as. You don’t have to hire a lawyer or go to court to get compensation for bodily injuries sustained in a car accident.
Click here to learn more about the Public Automobile Insurance Plan.
4. I am planning to go on a trip together with a friend. We will both drive, but we will share my car. Is my car insurance valid if my friend is driving?
If your friend holds a valid driver’s licence, he will be covered by your insurance if your friend borrows your car. According to your contract, your insurance should cover any damages resulting from an accident. The contract may also contain conditions. You should declare the names of all people to whom you loan your vehicle to your broker or agent for damage insurance. This will allow them to verify your protection and provide you with solutions. If you don’t have insurance for vehicle damage, your friend can add the F.A.Q. This type of damage can be covered by adding n 27 to the insurance contract. (See question 6 for more information on the F.A.Q. n 27.
Your friend who is the driver of the vehicle at the time is considered the “guardian”. Even if he doesn’t have car insurance, the accident will be recorded in his driver’s file. He must be aware that the accident has been entered in his driver’s record and can be considered when applying for insurance. When talking to your agent, or their damage insurance broker, any truth is a good thing!
5. My car insurance covers my son’s use of my vehicle.
If your child is driving your automobile frequently or regularly, you must inform your broker or agent about this in damage insurance. If your child uses your vehicle to go to work, school, or to go on weekends, you must declare it. The same applies for your spouse, or any other person who occasionally uses your car.. If you do not, your claim in the case of an accident could be rejected or the compensation may not amount to all.
6. Is my car insurance able to cover any material damage to a vehicle rented for a short time?
To be covered by car insurance while renting a vehicle for a short term, you will need to add the F.A.Q. n 27 “Damage of vehicles not belonging to insured” This endorsement is typically more affordable than the rental company’s coverage.
If you rent or borrow a vehicle for less than one year in Canada or the United States, your car insurance will apply. If you live outside of Quebec, make sure to bring proof that you have insurance. If your employer provides a vehicle, you can verify this endorsement with your agent or damage insurance broker. Ask your agent any questions about the coverage. This certified professional is overseen by the Chamber of Damage Insurance. It is an insurance body that protects the public. It has a duty of explanation to you about the contents of your contract, and to advise you on the appropriate protections for you.
The F.A.Q. is not required. The car locator will offer property damage insurance if you don’t have the F.A.Q. Before signing the contract, make sure you read it carefully.
7. If I rent a small truck to move furniture that I have just purchased and ask my son to drive it then the F.A.Q. Is n 27 in force?
The addendum will be in effect for damage to your vehicle, but not in the event of civil proceedings against you son. You can ask for the F.A.Q. to add additional people. n 2. It is a good idea to verify with your agent or damage insurance broker that your son is added to your contract. This addition usually does not result in additional costs, especially if your son is already listed as the driver of your car.
8. After a serious collision, my long-term rental car was declared “total lost” My insurer covers $ 15,000; however, I owe $ $ 20,000 to my landlord. Should I assume the $ 5,000 gap?
If your lease includes a gap guarantee clause, which is often the case, you don’t need to assume the $ 5,000 difference. You simply give your keys to your landlord, and the $ 15,000 paid for by the insurer. It is crucial to ensure that this clause is included in your long-term rental contract.
9. Someone forced me to drive my car and took my children’s car seat and my golf clubs as well as my laptop from the back trunk. Is it true that these flights are covered by home insurance?
Your home insurance covers the theft of your mobile phone and golf clubs. The car seat, on the other hand is considered automotive equipment in the same way that tools and accessories are intended for use only with the car.. This is why your car insurance covers the flight, if your policy covers it. The same applies to vehicle damage.
10. I replaced the radio with a more powerful one. Does my car insurance cover the flight
Only if the F.A.Q. has been completed. n 37 “Changes in the guarantee on sound system and other electronic communications accessories” It is important to notify your agent or damage insurance broker of any modifications to your vehicle.
11. We just bought the used car I purchased because the previous owner had not paid for it fully. Is this covered under my car insurance?
Unfortunately, no. It is not necessary to consult the Register of Personal and Real Movable Right (RDPRM) before purchasing a used vehicle. The following statement can be read: “A right registered with the RDPRM will be known by everyone. If a person doesn’t consult the RDPRM when a problem arises, they will not be able invoke their good faith to defend themselves.
12. My dealer wants me to buy insurance that would allow me to purchase a new vehicle in the event of total loss. Do I accept it? Or should I call my agent or my broker for damage insurance?
The concessionaire can offer you replacement insurance. Your agent, or damage insurance broker, will explain the advantages and disadvantages to you. He will also inform you about the possibility to add a “new-value” endorsement to your policy. main. We invite you read the New Value or Replacement Insurance article for more information.
Noting that the average premium paid for replacement insurance for 5 years was $ 1,781 for a concessionaire, and $ 1,141 for an agent or broker, is a $ 640 difference. Source: Financial Markets Authority. p. 227.)