What is the auto claims file?

What is the auto claims file?

You are shopping for new auto insurance and the agent you are talking to mentions that you have three accidents on your file… but what file is he talking about?

This is your claims file from the Central Automobile Sinister File (FCSA), a database that lists all the claims in which Quebec motorists have been involved over the past six years. The FCSA is one of the tools available to your insurer to establish your premium. It is managed by the Groupement des assureurs automobiles (GAA).

How to verify the information contained in your file?

You can make a request online to receive a free electronic copy of your claims file.

A claim that you have not reported to your insurer still appears in your file: why?

The little fuss you had last year shows up in your file because the other driver involved reported it to their insurer.

It is better to report the incident yourself to your insurer, even if you do not make a complaint. You can give your version of the facts to the insurer and the insurer will determine your level of responsibility in the accident and in order to register it with the FCSA.

The accident you had with your brother's truck appears in your file: why?

In the FCSA, the incident is entered in the file of the person who was driving the vehicle at the time of the accident.

You notice an error in your file: what to do?

It is possible to request a correction to your claim file by following the online procedure. Your file will then be checked by one of our agents.