The custodian of the vehicle

Claims are attributed to the custodian of the vehicle. The custodian of the vehicle is the person who had charge of the vehicle when the accident happened.

The custodian of the vehicule does not necessarily have to be registered under your policy.

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.

Some examples to better understand the claims attribution rules

Jack and Susan live in the suburbs. The couple shares two vehicles: 

  • A minivan, owned by Jack, who is the policyholder and principal driver
  • A sedan, co-owned by the couple, with Susan as the policyholder and principal driver.

Ben, the couple's son, occasionally drives one or other of these two vehicles.

Case Description The claim is attributed to:
Collision with driver Ben was involved in a collision while at the wheel of his father's minivan. The insurer's investigation determined that Ben was the custodian of the vehicle at the time of accident.

The claim was recorded in Ben's file only.

The insurer's investigation concluded that Ben was 100% responsible for the accident.
This information was recorded in Ben's file.
Collision without driver, including hit and run The minivan suffered damage while parked in front of the family residence.
 
The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident.

The claim was recorded in Jack's file.
Collision with an animal or object
 
Susan hit a deer while driving her husband's minivan. The insurer's investigation determined that Susan was the custodian of the vehicle at the time of accident.

The claim was recorded in Susan's file
Theft The couple's sedan was stolen from the parking lot of the restaurant where Jack and Susan celebrated their 25th wedding anniversary. The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident.

The claim was recorded in Jack's file.
Damage caused by hail The minivan was damaged by hail. The vehicle was parked in the parking lot at Susan's place of work.

The insurer's investigation determined that Susan was the custodian of the vehicle at the time of accident.

The claim was recorded in Susan's file.
Vandalism Susan's sister, Mary Jane, borrowed the family sedan during a visit with Susan.
 
The vehicle was vandalized in a shopping centre parking lot.
The insurer's investigation determined that Mary Jane was the custodian of the vehicle at the time of accident.

The claim was recorded in Mary Jane's file.
Broken windshield A stone shattered the windshield of the family sedan, which was being driven by Ben, who was on his way to the country to spend a weekend with friends. The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident.

This information was obtained during a complementary investigation and sent to Susan, the insured.

The claim was recorded in Ben's file.

 

Notes

  • These examples are provided for information only. The insurer's investigation will determine the custodian of the vehicle at the time of accident. 
  • The insurer sends a notice to every insured whose vehicle was involved in a claim reported to it. 
  • Under certain circumstances, the insurer will also notify the vehicle custodians that the claim  is being attributed to them and forwarded to their file at the FCSA.