Ready to face the winter?

Ready to face the winter?

This article is an infomercial presented by Association of Automobile Insurers (GAA)

It does not escape the winter will eventually happen! We will have to adapt again to changing road conditions that can surprise us at any time … and lead us into an accident despite us. If you ca never happens, that happens he rated insurance?

Adapt your driving to road conditions

If you hit the back of the car traveling in front of you, will you be responsible for the accident? Yes, even if the floor was slippery or the sun blinded you!

According to the Direct Compensation Agreement (DCA) used by your insurer to establish your responsibility, you will be held responsible in such circumstances. Hence the importance to always keep a safe distance between your vehicle and the one who preceded you.

The fact that you are or not responsible for the accident will affect your compensation:

  • If you are responsible, you will be compensated if your insurance policy covers collision (Section B of the contract). You will have to pay a deductible.
  • If you ‘re not responsible, you will be compensated under the guarantee civil liability (Chapter A of the contract). You will not have to pay a deductible.

Good to know. If you are involved in an accident or there is no hurt, you do not need to bring in the police. You just have to complete a Joint Report which you can now download the mobile application.

Do not forget to put your winter tires

They are required from 15 December to 15 March. If you are involved in an accident while your vehicle was not shoes winter tires, will you be compensated by your insurer? Yes, because the contract does not contain exclusion, even if you failed to put your winter tires.

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Be aware that your compensation will depend on your responsibilities and protections that you have chosen. And, as with any disaster, it will be registered in your file.

And if, in winter, it steals your vehicle you leave unattended with the engine running?

In this case, you will be compensated if you have the protection against theft (protection All risks, risks that are not a collision or rollover or specific risks). The insurer will deduct the compensation amount of the deductible you have chosen to contract.

Some tips to reduce the risk of accidents

  • Ask about the road conditions and weather conditions before setting off.
  • Clear the snow and always well Defrost your vehicle to maintain good visibility.
  • Adapt your driving habits: drive slower, keep a safe distance with the vehicle that precedes you, and if the weather conditions are too bad, see your displacements or use public transit.

Questions about car insurance?

Visit s website, and the site You can also contact the Information Center Insurance Insurance at 514 288-4321 (Montreal area) or 1 877 288-4321.