In case of an accident, to whom will the accident be attributed in the Fichier central des sinistres automobiles (FCSA)? It all depends on the circumstances.
Let's take for the example Jack and Susan who live in the suburbs. The couple shares two vehicles:
Ben, the couple's son, occasionally drives one or other of these two vehicles.
Description
Ben was involved in a collision while at the wheel of his father's minivan.
The claim is attributed to :
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.
Description
The minivan suffered damage while parked in front of the family residence.
The claim is attributed to :
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.
Description
Susan hit a deer while driving her husband's minivan.
The claim is attributed to :
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.
Description
The couple's sedan was stolen from the parking lot of the restaurant where Jack and Susan celebrated their 25th wedding anniversary.
The claim is attributed to :
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.
Description
The minivan was damaged by hail.The vehicle was parked in the parking lot at Susan's place of work.
The claim is attributed to :
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.
Description
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 claim is attributed to :
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.
Description
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 claim is attributed to :
The insurer's investigation determined that Jack was the custodian of the vehicle at the time of accident.
The claim was recorded in Ben's file.
Notes