A text from Groupement des assureurs automobiles

A policyholder asks you questions about their Claims History Statement in the Fichier central des sinistres automobiles (FCSA) when renewing or underwriting their policy. If you feel that information should be verified, you can refer them to the GAA website for possible options.

But know that:

• The verification request can only be initiated after the policyholder has made a request to consult their Statement.
• It is not possible to make a telephone consultation.
• GAA can only correct a consumer’s file if the insurer confirms that there is an error.
• GAA never takes action to change a policyholder’s liability percentage for a claim.
• Processing a verification request can take up to 30 days.

To be able to provide explanations to your policyholder, it is important to know how their request will be processed.

File consultation: a mandatory and free step

As soon as the policyholder wants to have information in their Claims History Statement verified, they must first view their statement through the GAA website.

Why? To confirm the policyholder’s identity and to protect the personal information contained in the FCSA.

That is why no consultations can be made by telephone and GAA officers do not have direct access to a policyholder’s Claims History Statement.

>Learn about FCSA consultations

Information verification

GAA verifies the information with the insurer who sent it to the FCSA. GAA will under no circumstances be able to change the information in a file at the policyholder’s request.

If the information in the insurer’s file does not match FCSA’s because of a data entry error, the insurer will give GAA permission to correct the file.

GAA has up to 30 days to respond to a policyholder’s verification request.

GAA: the information custodian

As information custodian for the Autorité des marchés financiers, GAA does not interfere with the contents of data transmitted to the FCSA by insurers.

For example, if policyholders want to change their liability percentage, they must absolutely discuss it with their insurer. GAA will not be able to change the information simply because a policyholder is dissatisfied.

Understanding this process and the role of GAA will help to inform policyholders adequately and prevent them from having expectations that GAA cannot meet when contacting it.