What to do in the event of a loss

Experiencing a breakdown, theft, accident or any other type of loss can be disconcerting. That is when you can count on your team of insurers to step up and take charge. To get through any unforeseen circumstance in the best possible way, we suggest you follow this advice. Feel free to contact us for more information.

Automobile

Broken glass

Accident or Collision

In the event of a collision with another vehicle:
- Fill out an accident report.
- Get witnesses’ contact information, if applicable.
In the event of an accident outside Quebec, obtain a police report.
If someone is even slightly injured, call the police or 911.
If possible, take photos of any damage, the scene of the accident and the other vehicle’s licence plate.
If your vehicle is not operational, have it towed to the garage of your choice. The adjuster will assess any damage.
Contact your broker or, if the loss occurred outside regular business hours, call your insurer directly after leaving a message with your JSA broker.
Before renting a replacement vehicle, make sure your insurance policy covers the rental costs.

Theft or Vandalism

Home or Business

Robbery or vandalism

Fire

Secure the premises after the fire. Ventilate, if necessary.
Protect any undamaged goods and take the necessary measures to prevent further damage, theft and vandalism.
Contact your broker after calling emergency services or, if the loss occurred outside regular business hours, leave a message and call your insurer directly to provide any necessary information (e.g., date and time of the incident, circumstances surrounding the loss, fire services or police report number, nature and extent of the damage, partial or complete interruption of your activities).
Take photos of damaged goods.
Draw up a preliminary list of damaged goods.

Accident with Injuries on Your Property

Provide the victim with first aid and call emergency services or 911, as needed.
Identify the people responsible in the event of a lawsuit, and take down witnesses’ contact information.
Secure the premises.
Contact your broker or, if the accident occurred outside regular business hours, call your insurer directly.
Take photos in order to facilitate the investigation.
Keep any bills related to the incident (e.g., ambulance transport).
Provide us with any legal documents received.

Do not

Admit responsibility or try to settle the situation on your own.
Repair or replace any goods without prior authorization from your insurer.

Emergency loss reporting

Do you need to declare a loss? Call us immediately at 1 888 478-1460.

Outside regular business hours, contact your insurer directly after leaving a message with your JSA broker.

Emergency numbers— any time

Car or Home Insurance
Assurance Economical	1 888 875-8088
Intact Assurance	1 866 464-2424
La Garantie Compagnie d’assurance	1 888 998-1872
Promutuel Assurance	1 888 590-2433
RSA	1 800 319-9993
L’Unique Assurances Générales	1 800 463-4800
Business Insurance
Ace Canada	1 877 772-7797
AIG Canada	1 800 235-8784
Allianz	1 416 849-4555
Aviva	1 866 692-8482
BI & I	1 888 659-2434
Chubb Canada	1 800 532-4822
CNA Canada	1 800 525-0368
Assurance Economical	1 888 875-8088
Intact Assurance	1 866 464-2424
L’Unique Assurances Générales	1 800 463-4800
La Garantie Compagnie d’assurance	1 888 998-1872
La Souveraine	1 877 268-5888
Northbridge Assurance	1 855 621-6262
Optimum Société d’Assurance	1 855 588-7613
RSA	1 800 319-9993
Travelers Canada	1 800 361-9427
Zurich	1 866 345-3454