An accident can happen to anyone. The good news is that with the right reflexes, things can often be resolved more easily than you might think.
Once you’ve made sure everyone is safe, the next step is to properly document the incident. To make things easier and help speed up the process, there’s a free and very practical tool available: the Online Joint Accident Report, available on the website of the Groupement des assureurs automobiles.
Ideally, you should complete it as soon as possible after the accident. Here’s why this simple step can make a real difference.
Why Use the Online Joint Accident Report
- A smoother claims process. By completing this document, you help ensure that the claim is complete and submitted correctly. When you contact your insurer, opening and processing your file can be significantly faster.
- Clear facts from the start. Since both drivers review and confirm the same document together, the facts are recorded clearly while they are still fresh in everyone’s mind. This helps reduce the risk of conflicting versions later on.
- A fairer claims process. The accident report helps quickly establish each party’s responsibility. Remember that in Quebec, if you are not responsible for the collision, you generally do not have to pay any deductible for repairs to your vehicle.
One practical advantage: the online accident report can be accessed directly from your phone, making it a simple tool to use in any situation.
Plan B: a quick checklist when time is limited
If the situation does not allow you to complete the online accident report right away, no problem. In addition to the phone number, take a few minutes to collect the following essential information from the other driver:
- their full name and contact information (address and phone number);
- their driver’s license number;
- their license plate number, as well as the make and year of their vehicle;
- the name of their insurance company and their policy number;
- a few photos taken with your phone of the scene and the damage to both vehicles.
Also remember to note the date, time, and exact location of the accident, as well as the contact information of any witnesses present at the scene. With this information in hand, your broker will be able to process your claim more efficiently.
Do you have a question about your auto insurance? Contact us here or call 1-855-587-7437.
Karine Yanire
Director - Clients Relations and Experience & Claims • Claims
