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Règlement de sinistre automobiles

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

 Vous venez d'avoir votre premier sinistre automobile, voici quelques petites informations importantes à savoir en ce qui concerne les règlements de sinistres au Québec.

 Au Québec, le règlement de sinistre est encadré par la convention d'indemnisation directe depuis 1978. En quoi consiste cette convention ?

 Premièrement, lorsque l'accident arrive au Québec et que les deux victimes sont des Québécois, chaque assureur paie pour son assuré sans égard à la faute. Donc, si vous êtes non responsable, vous devez quand même faire la réclamation à votre assureur.

 En cas d'accident responsable :

 Votre sinistre sera couvert par vos garanties soit le chapitre B, si vous disposez de cette garantie dans votre contrat d'assurance. Donc, vous aurez à assumer votre franchise en proportion de la responsabilité du sinistre. Les biens transportés seront couverts par votre contrat d'habitation, si vous êtes couvert pour les biens en dehors des lieux.

 En cas d'accident non responsable :

 Votre sinistre sera couvert par votre responsabilité civile. Ce qui implique que si vous n'êtes pas assuré en chapitre B (collision) vos dommages seront couverts. Étant donné que c'est votre responsabilité civile qui paie, il n'y a pas de franchise applicable à cette garantie. De plus, les biens transportés dans votre auto seront couverts jusqu'à 3 000$ par la responsabilité civile de votre contrat et le reste dans votre contrat habitation.

 Pour établir le pourcentage de responsabilité, les experts en sinistres se basent sur les barèmes d'indemnisation. Vous pouvez avoir accès à ces barèmes sur le site du Groupement des Assureurs Automobiles :

 Il est à noter que ces barèmes ne tiennent pas compte :

 1. Du mouvement des piétons ;

 2. De la vitesse ;

 3. Des conditions atmosphériques ;

 4. De la visibilité ;

 5. De l'état de la chaussé ;

 6. De la présence ou l'absence de signaux sonores, lumineux ou manuels;

 7. De la présence ou l'absence de lignes de signalisation pointillées ou continues.

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