Automobile

Hail and water

Today, the weather is affecting us more and more. Hail or torrential rains are now part of our daily reality. Has your car been damaged by one of these forces of nature?

Are you covered?

Yes, if you added specific coverage to your policy covering damage to your vehicle. That's Section B of your policy (Comprehensive or All Perils). Your insurer will deduct the amount of your policy deductible from the compensation amount.

Driving in winter

"My country isn't a country, it's winter", as Quebec singer and poet Gilles Vigneault put it so well. You therefore have to know how to handle icy and snowy road conditions.

Five important rules:

  1. Drive with winter tires from December 15 to March 15. It's the law!
  2. Have a supply of windshield washer fluid in the trunk and an emergency kit
  3. Keep your distance
  4. Drive carefully!
  5. And allow for more time to get there. Don't leave at the last minute. In case of an accident, weather conditions do not reduce your liability.

Four steps to follow

Discover the four-steps process in case of hail and water damage. Your insurer will indemnify you within 60 days following receipt of your request and the supporting documents. For a speedy claims settlement, make sure you have all the relevant documents handy.

Payment

Garage recommended by your insurer

You don't have to handle the payment. Your insurer will issue the cheque directly to the garage.

Your garage

Your insurer will issue a cheque in your name and that of the garage. You must endorse it and remit it to the garage once you're satisfied the repairs have been made.

Rundown of a settlement process in a damage caused by hail and water

Settlement process in a damage caused by hail and water

Contact your insurer Appraise the damage Agree on a settlement Indemnity payment

Take photos of the damage caused and call your insurer or broker as soon as possible.

Your insurer will examine your vehicle to appraise the damage and establish the cost of repairs. He may suggest a garage for the repairs. You may also choose your own.

Your insurer will repair your car according to the terms and conditions under your policy.

Depending on the agreement, your insurer may indemnify you or reimburse the garage directly.