Accident Forgiveness defined
Could you define Accident Forgiveness for me?
Accident Forgiveness means we agree to waive our right to adjust your insurance rate after an at-fault or partially at-fault accident. Ultimately, you are “forgiven” for your first accident.
Impact on driving record
What factors can have an impact on my driving record?
Here’s what we keep in mind when we review your file:
- The number of years you’ve been licensed to drive
- Any convictions due to driving infractions
- The number of accidents you’ve had
- Speeding tickets and moving violations
- License suspension
At-fault or partially at-fault
What is an at-fault or partially at-fault accident?
It means you are at fault or partially at fault for damages incurred during a vehicle accident. This includes damages to other vehicles and property as well as damages caused to your own vehicle.
You can be anywhere from 1% to 100% at fault in an accident. After an accident, the insurance company claims adjuster determines the degree of fault based on the circumstances surrounding the accident and specific government regulations. There is no one mathematical formula used to calculate the percentages of fault.
Any driver who is more than 0% at fault will have an “at-fault” accident on his or her insurance record.
My driving record is good but I had one minor fender bender just 5 years ago. Could I still be eligible for Accident Forgiveness?
No. You must be accident-free for the preceding 6 years. There are no exceptions.
If I had another at-fault accident after my first “forgiven” accident would this affect my premium?
Yes. Your second accident would have an impact on the cost of your premium.
Proving your accident-free record
How do I prove that I have been accident-free for 6 years?
If you have not been insured with us for the last 6 years, we will consult the Motor Vehicle Report (outside of Quebec) to confirm your driving record.
In Quebec, insurers have access to a governmental database where all claims are reported; this gives insurers direct access to the claim history of drivers. The database is called Fichier Central des Sinistres Automobiles and can be accessed by insurers and customers for information and to make any corrections.
Changing your vehicle
What happens if I change my vehicle while I have this insurance?
This will not have an impact on your Accident Forgiveness coverage, provided you are licensed for that vehicle.
Friends and relatives
Does this coverage apply if a friend or relative uses my car and gets into an accident?
Yes. The coverage applies. However, if your friend or relative has an accident with your vehicle, this will affect your file and premium in the same way that it would if you were driving.
If I have a commercial vehicle, am I eligible?
No. This insurance applies to private passenger vehicles only.
Two cars, two drivers
We own 2 cars. I’ve had no accidents in the last 6 years and my husband has had one. Are we eligible, and what happens if we get into an accident?
Car 1: You are the primary driver and your husband is the secondary driver.
Your vehicle is eligible. However, if your husband has an accident with your vehicle, this will affect your file and premium in the same way that it would if you were driving. If you have Accident Forgiveness coverage, you are “forgiven” for the first accident.
Car 2: Your husband is the primary driver, and you are the secondary driver.
Accident Forgiveness coverage is not available for this vehicle.
One car, two drivers
We own one car, I’m the principal driver and I’ve had no accidents in the last 6 years. However, my husband, who’s a listed driver on my vehicle, has had one. Are we eligible and what happens if we get into an accident?
The coverage does not apply, even though you are the principal driver. In order to be eligible for Accident Forgiveness coverage, all drivers listed on the vehicle must be accident-free for the last 6 years.