You may have heard the term "Fichier central des sinistres automobiles" during your last call with one of our brokers without knowing what it referred to. Managed by the Groupement des assureurs automobiles (GAA), the Fichier central des sinistres automobiles, or FCSA to its friends, is a database that contains information on claims for the past six years that have been reported to an insurer. The information contained in the FCSA can be added by your current or previous insurer as well as the insurer of someone with whom you had an accident. So whether you report a claim or not, it can still appear on the FCSA.
The results of your insurer's review of your FCSA file are generally used to determine your insurance premium. The claims that appear on the FCSA are based on the driver, not the car. For example, if you borrow your brother's car to move your belongings and you have an at-fault collision, that claim will appear in your file even though your brother's insurance was involved in the settlement of the claim.
Although the information contained in your file is reliable, it is possible that you may find an error in your file. You should know that you can consult your file at the Fichier central des sinistres automobiles. If after consulting your file you notice an error, you can request that the GAA verify the information and forward your request to the insurer involved in the loss. Since it is the insurers who add the information to the FCSA, they are the only ones who can modify it.
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