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What to do in the event of a loss

At Desjardins Insurance, we insure vehicles and businesses, but above all we protect people.

Our emergency toll-free number is available 24/7 from anywhere in Canada or the United States. Call us at 1-888-776-8343, and one of our claims advisors will be there for you.

In the event of a loss affecting your vehicles

  1. Stay at the scene of the accident. If possible, move your vehicle to the side of the road to avoid blocking traffic.
  2. Take the name of the other driver involved and any witnesses.
  3. Don't be too quick to accept responsibility. Make sure you talk to a claims advisor first.

Call the police:

  • If someone is injured
  • If you are outside Quebec
  • In the event of a hit and run

If none of these situations apply:

Fill in a Joint Report at the scene of the accident. This document will help you get all the information you need to file your claim.

  1. Call the police immediately
    • This increases the chances of finding your vehicle and preventing it from being used to commit other crimes. The police will first make sure the vehicle hasn't been towed before taking a description.
  2. Call us as soon as possible

One of our claims advisors will take charge of your file, so you can get compensation if your vehicle isn't found or if it's found damaged.

Before your claim is settled, we may be able to approve certain expenses1 such as for a rental vehicle or other transportation.

1. Some conditions apply

  1. Call the police immediately
  2. Call us as soon as possible

One of our claims advisors will take charge of your file, so you can get compensation.

Before your claim is settled, we may be able to approve certain expenses2 such as for a rental vehicle or other transportation.

2. Some conditions apply

  1. Call us for information about your coverage and a list of local repair shops, or visit one of the following suppliers:
  2. Show your liability slip to the supplier, who will contact us.

In case of a loss affecting your business

  1. Protect your property from any further damage
  2. Take photographs of the damage
  3. Call us as soon as possible to get information on your coverage
  1. Turn off the water supply to limit the damage
  2. Mop up as much water as possible and put any dry items in a safe place
  3. Call us to talk to a claims advisor, who will work with you to make sure emergency measures are taken. We'll help you get things back to normal.
  1. Call the police
  2. Take photographs
  3. Call us to talk to a claims advisor, who will work with you to make sure the necessary measures are taken and get the claims process started. If possible, have a list of the damaged or stolen property.
  4. We recommend you change your locks and replace any broken windows to secure the property and reduce the risk of a break-in. These expenses may be reimbursed, depending on the terms and conditions of your policy.
  1. Call the fire department immediately. Even if it seems minor, a fire can spread quickly if it's not controlled.
  2. Once the situation is under control, call us to talk to a claims advisor, who will work with you to make sure emergency measures are taken and get the claims process started. You should speak to us before authorizing any repairs.

You could be held responsible for any injuries incurred by your employees or business clients. For example, if a visitor slips on the stairs in your business and breaks his laptop, he would suffer bodily injury and property damage (broken laptop).

In such a case:

  1. Don't be too quick to accept responsibility. Make sure you talk to a claims advisor first.
  2. Take the names of any witnesses.
  3. Take photographs of the accident scene.
  4. Call us as soon as possible to speak to a claims advisor, who will handle your request and work with you to make sure the necessary measures are taken. Even if the victim says he doesn't intend to make a claim against you, get witnesses' names and take photographs and then call us to explain what happened.

Desjardins Insurance refers to Desjardins General Insurance Inc.

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