If you are involved in a car collision – even a minor one – you must stop your vehicle and stay at the scene of the accident to observe the damage and, if necessary, help others. If no one is injured, there is no need to call the police. By completing an amicable report, you will have all the information to make your complaint.
Complete an amicable report and report the accident to your insurer
The joint report is a document that collects the information necessary for the insurance companies to receive and process your claim.
It includes in particular the date, time, and place of the accident, the contact details of the drivers and witnesses as well as a description of the circumstances and the damage. It must be completed immediately at the scene of the event and signed by all parties involved.
Material damage: it is your insurer who establishes your liability following an accident
Whether the police have to intervene or not, your insurers establish your liability following a collision. It uses the Direct Compensation Agreement as well as the information contained in the Joint Report.
Used by all automobile insurers, this Convention lists the most frequent causes of accidents and includes the liability scales in the event of a collision between the various motorists. This responsibility is defined by taking into account the Highway Safety Code.
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This agreement aims to ensure that each policyholder whose vehicle has suffered material damage is compensated directly by their insurer. When he is not responsible for an accident, he is automatically compensated by his insurer. If he is liable, he will be if he has taken out the required protections. An insured cannot, therefore, sue the motorist responsible for the accident for damage to his vehicle.
Although it makes it possible to settle the majority of collisions, the Convention applies to collisions occurring in Quebec only and involving at least two vehicles. In addition, the owners of the vehicles must be identified and the vehicles cannot belong to the same owner.
The convention, therefore, does not apply in the case of a hit and run since the motorist who caused the damage cannot be identified. No more than in the case of a vehicle owner who hits another of his vehicles.