Introduction:
In the world of automobile insurance, knowing your accident history is essential. In Quebec, the “Fichier central des sinistres automobiles (FCSA)” is a crucial tool that centralizes information about accidents in which each insured has been involved in the last six years. In this article, we will explain how to obtain a copy of your accident history and how to correct any errors you may find. Keep reading to learn more about this important process.
The Claims History Statement (FCSA):
The FCSA is a database managed by the Groupement des assureurs automobiles (GAA) on behalf of the Autorité des marchés financiers. This database collects information from insurers regarding automobile accidents in which each insured driver has been involved in the last six years. Having access to this information is crucial as accident records can impact insurance premiums and eligibility for certain coverages.
How to Obtain a Copy of Your Accident History:
To obtain a copy of your accident history, the GAA offers several simple and accessible options:
1. Online Request with Your clicSÉQUR Identifier: Instantly access an online copy of your accident history using your clicSÉQUR identifier. This option provides convenience and speed to get the information you need.
2. Request with the Web Form: If you prefer more personalized assistance, complete the online form, and a GAA agent will process your request. During working hours (8:30 AM to 4:30 PM from Monday to Friday), you will receive an email link to access your accident statement.
3. Request by Mail: If you prefer to send your request by mail, download the form from the GAA website, fill it out, and send it along with a photocopy of your Quebec driver’s license.
4. In-Person Appointment: If you need more detailed assistance, you can schedule a phone appointment with a GAA agent. Afterward, visit their offices to identify yourself and obtain a printed copy of your accident history.
Correction of Errors in Your Accident History:
Once you have obtained a copy of your accident history, it is essential to review the information to ensure its accuracy and completeness. If you identify any errors or discrepancies, the GAA can assist you in correcting them. Please note that the GAA cannot modify the information in your history without the consent of your insurer. Therefore, the first step is for the GAA to verify the information with your insurer.
To request the correction of information in your accident history, the GAA offers different options:
1. Verification Request with the Web Form: Complete the online verification form so that the GAA can initiate the correction process with your insurer.
2. Verification Request by Mail: If you prefer to send your request by mail, download the verification form from the GAA website, fill it out, and send it by mail.
3. Verification Request in Person: If you prefer more personalized assistance, schedule an appointment with a GAA agent and follow the provided instructions to complete the process at their offices.
Conclusion:
Being informed about your automobile accident history is crucial for having a clear understanding of your insurance situation. The FCSA is an essential tool that allows you to access the necessary information to make informed decisions regarding your coverage and insurance premiums. With the options provided by the GAA to obtain a copy of your accident history and correct any potential errors, the process is more accessible and straightforward than ever. Feel free to use this information to ensure that your accident history accurately reflects your driving record.
