What to do...

In case of a car accident

These helpful checklists can help you get through a stressful time.

Being involved an accident, even on a small scale, can be a stressful experience. Here are some things you should think about immediately after an accident to help you get your claim started off on the best possible foot. The good news is that the worst part is over. We’re ready to help you make things better as fast as possible.

If there is damage to your car

If you are even slightly hurt in an accident, please follow the following steps. You may not realize the full extent of your injuries until later, so it’s best for you to be as safe as possible. We’ll be ready to support you.

1

What to do
Make sure you’re okay. Take a moment to check that you and any passengers in your car haven’t been injured. Your health is the most important thing to consider.

When
Immediately

2

What to do
Move your vehicle. Safety first. If your car is still drivable, move your vehicle to a safe location out of traffic right away

When
As soon as possible

3

What to do
Do not accept fault. Even if you think you may be responsible, do not make a decision in the moment that may cost you money later

When
Throughout the conversation with the other party

4

What to do
You and the other driver should provide each other with your name, address, telephone number, driver's licence number, insurance company name and policy number, and year/make/model of vehicle

When
Before leaving the site of the accident (after #2)

5

What to do
Look for witnesses. If someone saw your accident, you may want to want to ask if you can contact them to support your version of events

When
Before leaving the site of the accident

6

What to do
Report it to the police. In cases where the damage is slight and no one was hurt, many people think it’s not important to report the incident. But if there is any damage at all, reporting it to the police is a good rule of thumb.

When
Before leaving the site of the accident

7

What to do
Get to the nearest repair shop. In most cases, if your vehicle cannot be driven, a tow truck is legally obligated to bring it to the nearest Collision Reporting Centre. You can contact us from there to talk about your next steps, including taking your car to a repair shop from our Rely Network®.

When
This should be the next stop for your car after it leaves the accident site

8

What to do
Contact us as soon as possible. We can confirm your insurance coverage, tell you if you're entitled to any services or to a rental car, and recommend a preferred repair shop. You can reach a belairdirect claims representative at , 24 hours a day, 7 days a week

When
Right after calling the police

10

What to do
Only fix what needs to be fixed. Do not get any repairs done, other than those necessary to make the vehicle drivable (i.e. installing a spare tire, patching a damaged tire). Please contact us before making any other repairs.

When
After having spoken with us

If you are injured in an accident

Here are some steps to follow, whether your car has suffered a minor fender bender or major structural damage. Make sure you're safe and that your car is not a danger for others, then gather all the necessary information you need to begin the claim process.

1

What to do
Call emergency. Call emergency services to the site of the accident and have them write out an accident report.

When
Immediately

2

What to do
See a doctor. As soon as possible, you should visit a doctor for an examination. In addition to making sure you’re okay, your doctor should list all symptoms relating to your motor vehicle accident in your medical report. See a doctor. As soon as possible, you should visit a doctor for an examination. In addition to making sure you’re okay, your doctor should list all symptoms relating to your motor vehicle accident in your medical report. Have your doctor send you all reports to the Société d'assurance automobile du Québec (the "SAAQ", Quebec's public automobile insurance plan).

When
As soon as possible

3

What to do
Call us. We’ll start your claim and support you through each step of the process until your claim is completed.

When
After you have contacted the police or at first opportunity

4

What to do
Share medical information. On disclosure of injuries, you will be assigned an Accident Benefit Adjuster, who will handle all matters related to your injuries. They will review your benefits and provide you with the necessary forms required to be completed in order to start the payment of your benefits. Contact the SAAQ. You must contact the SAAQ (Société de l'assurance Automobile du Québec) as soon as possible so that your file can be opened quickly. You will receive your file number by phone, and then we will send you (by regular mail) the documents you and your doctor need to complete.

When
When speaking to your injury adjuster

Did you know?

If you are injured in an accident, you also should contact your personal insurance company.

The SAAQ’s public automobile insurance plan covers all road users residing in Quebec. Quebec residents who suffer bodily injury in an accident will be compensated, whether or not they are responsible for the accident.

If your car is a total loss

A vehicle is a total loss if it  would cost more to repair it than what the car is actually worth.

1

What to do
Talk to the claims adjuster who is handling your file. A claims adjuster will contact you and inform you of the next steps.

When
As soon as possible

2

What to do
Find all applicable documents. A copy of your registration, sale or lease contract and repair invoices, are just a few items that will be requested.

When
Once you are notified the vehicle is potential total loss

3

What to do
Determine the value of your car. Upon receipt of the requested documents, your adjuster will be in a position to provide you with your vehicle's value

When
Once the vehicle is appraised and your documents are received

4

What to do
Empty your car. Your vehicle will need to be emptied of all personal belongings

When
Once you have notified that the vehicle is a total loss

5

What to do
Give consent. Your consent is needed to move your vehicle to one of our recycling companies to minimize costs until the settlement of the file. Only then will the ownership of the car be transferred to belairdirect’s name

When
When you first contact us

Your vehicle's value is established by your insurer depending on the insurance coverage in effect when the loss occured.

If your car has been stolen

It’s a terrible feeling to discover that your vehicle has been stolen. We can help you to recover your belongings. Remember that in addition to your car, your insurance may cover some of the items inside it (as long as they were used only with your car)

1

What to do
Check if your car was towed. Look at nearby signs to see if there are parking restrictions where you parked. You may want to call a towing company to double check that the vehicle was not towed. Some cities or districts have direct lines or websites that can give you this information.

When
As soon as you realize it is missing

2

What to do
Call the police. If you suspect your car has been stolen, report the incident to the police.

When
Once you have confirmed it wasn’t towed

3

What to do
Track your car. If you have a tracking system or tracking device, call the company to begin a search for your vehicle.

When
After you have contacted the police

4

What to do
Call us. Our claims representatives can start your claim and help you decide what to do next.

When
After you have contacted the police and the tracking system/device company, if applicable

5

What to do
Gather your information. To process your claim properly, you’ll need to have these details ready: registration certificate, driver’s licence, purchase/rental contract, make/model/serial number of your car, invoices (for repairs, maintenance and added equipment) and keys. You should also make a list of the items that were in the vehicle when it was stolen.

When
Prior to calling us have vehicle information and than prepare a detailed list of missing items

6

What to do
Talk to a claims adjuster. Within 24-48 hours of you opening your claim, a claims adjuster will call you to complete your statement.

When
Once the claim is reported, an adjuster will take your statement

When your car was stolen, it may have contained items that weren’t covered by your car insurance policy. However, they may be covered by your home insurance or other insurance policy, depending on your coverage

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