Who determines liability in an accident

It’s always your insurer. And if there are no injuries, you don't need to have the police come. Simply fill out a Joint Report and report the accident quickly to your insurer.

Don’t have access to the Joint Report?

Don't have access to the Joint Report app on your phone nor have a hard copy of the Joint Report handy? Don't panic! Write down the contact information for the other driver on a piece of paper: 

  • Name
  • Address
  • Telephone number
  • Driver’s licence number
  • Registration certificate number
  • Proof of insurance
  • Photos of the accident and the damage (optional)

This document, also available in an app version, allows the parties to identify themselves and report the accident to their respective insurers right away.

To establish liability (and compensation), your insurer will use the Direct Compensation Agreement, which illustrates every possible accident scenario.

You can consult the Direct Compensation Agreement on GAA’s website.


At-fault or not: how does it affect compensation?

Not at fault

Not at fault for the accident? Then, 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. 

At fault

  • At fault for the accident? And was your car damaged? You’ll be compensated if you purchased Collision or All Perils coverage (Section B of your policy). And you'll have to pay the policy deductible. 
  • If you only have liability coverage, also known as Section A of the auto insurance policy, you’ll have to cover all the repair costs.  

Be prepared.
Download the Joint Report application!