The Joint Report is a tool distributed by the Groupement des assureurs automobiles. With this document, there’s no need to call the police if you’ve had a fender bender. If the collision didn’t cause any injuries, then the drivers involved simply fill in the Joint Report on the spot. Doing so allows the parties involved to identify themselves and report the event to their respective insurers. The information provided will then be used by the insurer to determine each driver’s liability and calculate the settlement.
Keep a blank copy of a Joint Report in your glove compartment at all times. You can order one from the Info Assurance page or just download the Joint Report mobile app on Google Play or the App Store.
- Where can I get a Joint Report?
- Joint Report mobile app
The Joint Report mobile app is available free of charge from the Groupement des assureurs automobile. The app lets you create your profile in advance and speeds up the process in the event of an accident. The scanner function lets you enter the driver’s license data by scanning the barcode on the back of the license, thus reducing the risk of error
The app also lets each driver sign the report directly on the screen. What’s more, you can forward a copy plus two photos of each damaged vehicle to the drivers involved as well as to their insurers.
If both drivers have the mobile app, then the Joint Report should be completed on just one device, since a copy will be sent to the other driver. To use the app, each driver must have a valid email address
- Admission of liability?
The Joint Report is not an admission of liability. Rather, it’s an accident report used solely to identify the parties involved and speed up the claims process.
Even when the police write up an accident report, they never establish liability. Only your insurer can do so. Liability is determined when calculating the settlement based on the Direct Compensation Agreement — an agreement by which all automobile insurers are bound
- What if the other driver refuses to cooperate?
Stay calm! Drivers are not obliged to fill in a Joint Report. Just note down the license plate number and take photos of the accident. As needed, call the police. In all cases, contact your insurer as soon as possible.
- About the DCA
The Direct Compensation Agreement (DCA) is an agreement binding all auto insurers who use it and abide by its principles. Under the agreement, each policyholder is indemnified directly by their insurer, while the liability of each driver involved is determined using the Driver’s Fault Chart in the agreement. This simplifies and speeds up the claims process.
The DCA applies whenever a collision between two or more vehicles occurs in Québec and when all vehicle owners can be identified, even if a vehicle from outside the province is involved.
The DCA does not apply, for example, when a collision occurs in the United States, in the event of a hit-and-run or when the vehicle has hit on object (e.g. a tree or post).
SIX FACTORS THAT INFLUENCE YOUR PREMIUM
All of the factors below can influence your auto insurance premium. Talk to one of our agents about how you can reduce your costs.
1. Vehicle type
2. Vehicle use (personal, business or a mixture of both)
3. Where you live (neighbourhood, city) as well as where you drive
4. Driver profile (age, gender, driving experience, etc.)
5. Coverage selected
6. Your credit rating