Clic Assure

Accident responsable: réclamer ou non

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

Lundi matin, vous allez porter les enfants à la garderie en retard, le trafic est à son plus fort de la journée et comble de malchance vous foncez accidentellement dans le derrière de l'automobile qui est en avant de vous. Les dommages pour votre automobile sont mineurs, mais quand même évalués à quelques centaines de dollars. La question qui se pose, devrais-je réclamer à mon assureur automobile ou non ?

Il y a plusieurs informations à savoir avant de réclamer à son assureur. Premièrement lorsque les dégâts sont mineurs, il est important de vérifier le montant de sa franchise pour voir si vous pouvez réclamer. Si, par exemple, votre franchise en cas de collision est à 500$ et que le montant des sinistres est inférieur à la franchise, il est inutile de contacter votre assureur, il ne pourra rien faire pour vous.

Dans le cas où votre franchise est de 500$ et que le montant total des réparations s'élève à 700$, il faut voir si cela vaut vraiment la peine de réclamer. L'assureur assumera 200$ des réparations, cependant votre prime augmentera l'année suivante. Généralement, les assureurs sont capables de vous dire approximativement de combien votre prime augmentera l'année suivante. Si l'augmentation est minime et que vous n'avez pas l'argent nécessaire pour payer la totalité des réparations, réclamer à votre assureur peut être une option intéressante.

Si vous avez des franchises très basses ou des franchises à 0$. Il est très tentant de réclamer mais comme expliqué précédemment, tout accident responsable fera augmenter votre prime l'année suivante. Donc il est très important de valider l'augmentation avec votre assureur. De plus, toute réclamation responsable fera augmenter votre prime pour un nombre X d'années selon les mesures de souscription de chaque assureur. Par exemple, si votre prime augmente de 5 % pendant 5 ans [1] seulement en raison de votre accident responsable et qu'avant votre accident vous payiez 490$ pour votre assurance automobile :

Renouvellement             Prime annuelle avec augmentation de 5 % en lien avec accident responsable   Écart entre la prime avant l'accident ( 490$ )

Premier renouvellement            514 $     24 $

Deuxième renouvellement        540 $     50 $

Troisième renouvellement         567 $     77$

Quatrième renouvellement       595 $     105 $

Cinquième renouvellement       625 $     135 $

Le coût total de l'augmentation est de 391 $ et le montant que l'assureur à payé est de 200$, donc on peut voir clairement que cela ne vaut pas vraiment la peine de réclamer pour un petit montant. De plus, l'augmentation est seulement en lien avec l'accident responsable et votre prime risque d'être plus élevée en raison de l'augmentation normal.

Si vous avez plusieurs réclamations à votre actif en quelques années, il n'est pas à votre avantage de réclamer lors d'un accident mineur parce que votre assureur pourra vous enlever des protections. Par exemple, augmenter vos franchises afin d'éviter la fréquence de réclamations ou enlever votre valeur à neuf, etc.

Bref, lors de réclamations peu élevées, il est important de regarder avec son assureur les répercussions de la réclamation afin de faire le choix le plus avantageux selon votre situation.

[1] Il est à noter que l'augmentation de 5 % et le nombre d'années sont subjectifs et peuvent être différents selon chaque assureur.

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