Car insurance

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Home insurance

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Business Insurance

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

Your friend will usually be covered by your insurance if they borrow your car. In the event of an accident, it is therefore your insurance that should cover the damage according to the terms of your contract. Conditions of the contract may however apply. It is therefore important to declare all the people to whom you lend your vehicle so that your damage insurance broker or agent is able to confirm whether your protection is complete and that they can offer you solutions. For example, depending on how often your friend borrows your car, you may need to report him as an occasional driver (see question 5).

While driving your car, was your friend involved in an accident for which he is not responsible? You should be reimbursed for the damage suffered, even if you only purchased civil liability protection (chapter A).

On the other hand, is your friend responsible for the accident? To be able to be compensated, you must have taken out insurance against damage to the vehicle (chapter B). If you do not have it and your friend has added FAQ rider # 27 to their own insurance policy, you could be indemnified under this rider (see question 6 for more information about rider FAQ n ° 27).

Finally, be aware that if your friend is driving the vehicle at the time of the accident, he is considered the "caretaker" of the vehicle. The accident will therefore be entered in his driver file in the Central Automobile Claims Register, even if he does not have automobile insurance. So, if he wants to obtain insurance one day, he must know that this accident will have been entered in his file and that it can be taken into account when requesting a quote. Any truth is good to say when talking to your agent or damage insurance broker!

My long-term rental car was declared a "total loss" following a serious collision. My insurer covers $15,000, but I owe the rental company $20,000. Do I have to assume this $5,000 difference?

If your long-term lease contains a variance guarantee clause, as is usually the case, you do not have to assume the variance of $5,000. You just give the keys to your rental company and the $15,000 paid by the insurer. Hence the importance of verifying that this clause is included in the long-term rental contract!

File your claim

We understand that a claim is never pleasant. At LMBF, we guarantee a simple and reassuring claim process.

We are available by telephone at 1 (855) 333-4630 or by email at claims@lmbf.ca

Emergency contact information 24/7

In case of an emergency, a 24/7 claims service is available with all of our insurance companies

Intact insurance 1-866-464-2424
L’Unique insurance 1-800-463-4800
Economical insurance 1-888-875-8088
Promutuel insurance 1-888-590-2433
Aviva insurance 1-866-692-8482
RSA insurance 1-800-319-9993
Optimum insurance 1-800-361-7653
Pafco insurance 1-877-463-2727