File a claim

Who do you contact in the event of a loss?

  • Start by contacting your insurance broker. He or she will analyze the situation, give you personalized advice and open a claim file.
  • If you are not able to reach your broker, call our 24/7 emergency service at 1 800 463-4800.
  • If you are the victim of a criminal act or if you need help, call the authorities as soon as possible.

We are committed to:

  • Providing you with prompt, efficient service.
  • Granting you a fair settlement.
  • Issuing you a payment within 48 hours, once a settlement has been reached.

 

What to do in the event of a loss involving your automobile

Whether you've been injured in an accident or you're the victim of theft or vandalism, the tips below can help you deal with the most common situations.

Depending on the situation and the state of your vehicle

  • If possible, promptly move your vehicle to clear the road for traffic.
  • If not possible, call the police and your roadside assistance service, if you have one.
  • Fill out a Joint Report of Automobile Accident or call the police. Note the police report number, if any.
  • Write down the names and contact information of any witnesses. Their version will help clarify the circumstances of the accident.
  • Take care of emergency repairs that are necessary for your safety. Keep the invoices and receipts for expenses due to the loss.
  • Call your broker to declare your claim as soon as possible. Outside business hours call our 24/7 emergency service.

 

What to do in the event of injury

  • Immediately call emergency services.
  • Call the Société d'assurance automobile du Québec (SAAQ) at 1 888 810-2525.
  • If the accident occurs outside the province of Quebec, Canada or the United States, call 1 800 463-6898. The SAAQ will send you a claim form to fill out.

If your vehicle causes damage to someone else's property

  • Provide your personal information to the owner of the damaged property According to the Highway Safety Code, leaving the scene of an accident without leaving your contact information can constitute a traffic violation.
  • Call the police immediately and note the police report number.
  • Do not enter into any compensation agreements with the owner of the damaged property.
  • Call your broker to declare your claim as soon as possible. Outside business hours call our 24/7 emergency service.

What to do in the event of windshield damage

Has a stone cracked the windshield of your vehicle?

  • Go as soon as possible to the windshield repair outlet of your choice. The staff there will open a file in your name and provide you with professional service.
  • Don't forget that, when having your windshield repaired, you pay no deductible, and you retain your good driving record. An unrepaired crack can spread and result in the need to replace your windshield.

What to do in the event of a loss involving your home

Follow the five key steps below if you suffer a loss affecting your home:

  1. First and foremost, see to your safety and that of your family members.
  2. Take action to minimize damage.
  3. Take care of any emergency repairs. You will be reimbursed for their cost in the event of a covered loss.
  4. Don't sign a contract that could adversely affect your claim settlement.
  5. Call your broker to declare your claim as soon as possible. Outside business hours call our 24/7 emergency service

What to do in the event of water damage

  • Check your coverage before incurring any expenses.
  • Call your broker to declare your claim as soon as possible, and before signing a contract that could adversely affect your claim settlement. Outside business hours call our 24/7 emergency service.
  • Take the following measures to limit the scope of the damage:
    • Shut down the water supply line if the pipe has burst.
    • Call a plumber, if necessary. As a rule of thumb, you will be responsible for the costs of labour or plumbing materials.
    • Hold onto the damaged parts.
    • Remove any items in the vicinity of the damage.
    • Raise the furniture.
    • Call a cleaner to handle the emergency cleanup work.
  • Contact your municipality if its installations may be involved. Send a written notice to your municipality within the time limit indicated in your municipal legislation, in order to preserve your right of recourse.
  • If you are a tenant, notify the owner of the building. If you are a condo owner, notify the condominium syndicate.
  • Keep the damaged property for inspection purposes.
  • Prepare a list of the property damaged.

What to do in the event of civil liability

Your golf ball has struck a parked car and damaged the hood. Your carport blew away in the wind and caused damage to your neighbour's property. Your dog bit your child's playmate.

Your home insurance for homeowners, condo owners or tenants also covers your liability in situations such as these. That means that you will be covered in the event of proceedings with regard to injury or damage that you may unintentionally cause to others or to their property as a result of your negligence.

  • Contact your broker to report the loss. Don't wait for a claim to be filed against you. The investigation must begin immediately.
  • Write down the names and contact information of any witnesses.
  • Keep all available evidence.
  • Never admit responsibility and don't agree to reimburse any of the parties involved. Your claims adjuster will handle all the necessary details.

What do you do if your business suffers a loss?

Because we understand that your business is important to you and that a loss can have a major impact on your life, we have taken measures to ensure that someone is always available to guide and reassure you during the claims process.

  1. If you are the victim of a criminal act or if you need help, call the authorities as soon as possible.
  2. Contact your broker for assistance in filing a claim or contact L'Unique to speak with a claims adjuster.

Thanks to the customized coverage offered by L'Unique, your business can quickly be back up and running.

Surety Bond Claims

To enable us to carry out a detailed analysis of your claim, kindly send us copies of the following documents:

  • Your contract and/or purchase order
  • Changes made to your contract or order
  • Invoices in relation to your contract or order
  • List of payments that you have received
  • Your account statement
  • Your delivery slips or work orders
  • Daily time sheets of your workers who were assigned to the project
  • Full and partial releases issued to your client
  • Full and partial releases issued by your suppliers
  • Your contract or order denunciation sent to the project owner
  • Proof that you sent the contract denunciation
  • Your CSST and CCQ compliance certificates
  • Correspondence exchanged between you and your client with regard to your claim
     

You may send us your documents (all together, if possible) by one of the following methods:

Email: reclamations.caution@lunique.qc.ca
Fax: 418 780-8827
Mail: Surety Lines and Credit Claims, L’Unique General Insurance Inc. 
625 Jacques-Parizeau St, PO Box 17050, Quebec QC G1K 0E1