Do you know how many accidents you've had in the previous six years? You might be surprised to find out that this information can be found in a database that tracks claims. It's called the Fichier central des sinistres automobiles (FCSA). It includes all the claims you had with an automobile, a motorcycle or an off-road vehicle.

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The number of accidents you have had in the previous six years and if you were at fault or not can be found in this database. It is managed by Groupement des assureurs automobiles.

Who can consult it?

The FCSA is public. You can obtain and check all the accidents registered in your file for free.

An insurer from whom you request a quote will also consult your claims file to establish your auto premium. The premium generally takes into account the number of accidents you’ve had or claims you’ve made.

The custodian of the vehicle

Claims are attributed to the custodian of the vehicle and not necessarily to his owner. The custodian of the vehicle is the person who had charge of the vehicle when the accident happened. At the time of the accident, your friend was driving your car. The accident will be recorded in her file, not in yours. Did your son have an accident with your car? Then the accident will be recorded in his file.

You can consult some examples to better understand the claims attribution rules in our blog article "The custodian of the vehicle".

To consult your claims file

Find out how to proceed to consult your claims file on the Groupement des assureurs automobiles (GAA) website.

You can also ask for your file to be corrected is you find an error. Just follow the procedure detailed on the GAA website.

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