infoassurance - Compensation

X Menu

Auto insurance
Insurance
Additional coverage Motorcycles and other types of vehicle Factors that affect cost Modify, renew or cancel your policy
Claims
Compensation Accident Stolen vehicle Hit and run Vandalism Hail and Water Your claims file
Home Insurance
Insurance
Covered Perils Additional Coverage Limits Types of reimbursement Insuring your cottage 7 factors that determine the cost of your premium Property inventory Modify, renew or cancel your contract
Claims
What to do at the time of the loss?Covered or not?The claims procedure Test: water damage
Condo insurance
Insurance
Co-owner insurance Co-owner civil liability Co-owner improvements Common expenses Syndicate insurance Description of the private portions Syndicate deductible Additional coverage Types of compensation Modify, renew or cancel your policy
Claims
What to do in the event of a loss in co-ownership Various obligations Apportionment following a claim Claims settlement situations Syndicate files claim with insurer Absence of insurance Damage less than syndicate’s deductible Insufficient insurance Syndicate does not file a claim Responsible co-owner Co-ownership claims settlement process
Business Insurance
Insurance
Covered Perils Working from home Types of reimbursement Using your personal vehicle for work Insuring an income-generating property Risk management Directors and officers liability Professional liability Business interruption 8 factors that influence the premium Tips for paying less Modify, renew or cancel your contract
Claims
What to do at the time of the loss?Covered or Not?The claims procedure
Blog
Order our brochures
Having trouble getting insurance?

After an accident, it's always your insurer who indemnifies you, regardless whether or not you were liable for the accident. The compensation will depend on your policy coverage and your liability in the accident.

Your insurer always assesses your degree of liability. He does that to establish the compensation to which you'll be entitled.

Are you 0%, 50% or 100% liable? He'll establish your liability using a document entitled Direct Compensation Agreement.

At-fault accident?
Not at-fault accident?

You will be compensated if you purchased Collision or All Perils coverage under Section B of your policy. You'll have to pay the policy deductible.

If you only purchased the civil liability (Section A of your policy), you will not be compensated.

You weren't at fault for the accident? You'll be compensated by your insurer even if you didn't purchase Collision coverage.

And you won't have to pay the policy deductible.

Blog

All articles

Auto tips

Newcomer to insurance: starting out right

You have started to drive. Whether you have a learner's or a probationary licence, you must inform your insurer immediately. Click to find out more.

Read the article

Did you know? (auto)

9 misconceptions about car insurance

To debunk fact from fiction, let’s take a look at the 9 most common misconceptions about car insurance. Find out more.

Read the article

Auto tips

Endorsement 27: coverage for damage to vehicles you do not own

Do you sometimes borrow or rent a vehicle? You can be insured! Click to learn more!

Read the article

I WANT IT

Be prepared.
Download the Joint Report application!