Do you know how many accidents you've had in the previous six years? At fault or not? You might be surprised to find out that this information can be found in a data base 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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Who is 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".

Consulting your claims file

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

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