6 myths about accidents and auto insurance

Myth 1: Auto insurance premiums increase automatically following an accident.

First, insurance premiums can only increase at renewal time, and only if the accident makes an impact on the renewal.

Next, an at-fault claim usually has more consequences than an accident for which you aren’t liable. Discuss it with your insurer. They can also explain other factors that can impact your premium.

Myth 2: Even when I’m not liable for the accident, I have to pay a deductible.

If the insurer determines that the insured person is not liable for the accident (0%), there is no deductible to pay.

Myth 3: The police determine whether or not I’m liable for an accident.

It’s actually the insurer that determines the insured person’s liability. It bases its decision on the Direct Compensation Agreement if the accident occurs:

• In Quebec
• Between at least 2 vehicles, or one vehicle and the load of another vehicle whose owners are identified

Collisions involving vehicles belonging to the same person are excluded. The same applies to accidents involving a driver who collides with his or her own vehicle.

Myth 4: An accident caused by a violation of the Highway Safety Code is not covered by my insurance.

The insurer must reimburse its customers according to the insurance contract coverage. Violating the Highway Safety Code during an accident does not affect the claim.

Myth 5: Quebec's public automobile insurance plan exempts me from all liability in the event of a car accident.

In Quebec, all drivers are covered by Quebec's public automobile insurance plan. This plan will pay for bodily injuries, including injury or death resulting from a car accident, regardless of liability.

Myth 6: If I lend my vehicle to someone and they have an accident, their insurance will cover the loss, not mine.

All insurance contracts in the vehicle owner’s name apply first in the event of an accident. However, if this insurance is not sufficient to cover all the damage, then the insurance of the person who used the car applies.

Your insurance broker is there to help you prevent losses. Contact him or her!