\n\t\t\t\tQuel est le montant de ma franchise, et quand devrais-je la payer?\n\t\t\t<\/li>\n\t\t<\/ul>\n\tCe sont tous des facteurs importants \u00e0 consid\u00e9rer avant de d\u00e9cider de faire une r\u00e9clamation ou non.<\/p>\n
Many people find that it’s not worth filing a claim that is only a certain amount above their deductible.\u00a0\u00a0They find it best not to lose their claims-free discount, or use up their one “claims forgiveness” free-pass on a relatively minor claim.\u00a0<\/p>\n\t\t\t\t\t\t
Est-ce que je devrais faire cette demande de r\u00e9clamation?<\/h4>\n\t\t\t
Vous devriez faire une demande de r\u00e9clamation dans certains cas. Les cas les plus fr\u00e9quents sont :<\/p>\n
1.Pertes importantes : <\/strong>Many people decide against reporting smaller losses that result in a claim that is barely above their deductible and will only result if a few dollars in their pocket in the end. Contrast that with a big auto accident, or a significant theft of property that could cause serious financial hardship if insurance wasn’t there to help recuperate from the loss.<\/p>\n2. Possibilit\u00e9 de blessures : <\/strong>If there is even the slightest potential for injuries – either in the short or long term – you’re best to report the incident. An example is an at-fault car accident where there were people either in your vehicle, or in the one hit. Although the accident may appear very minor and everyone says they`re fine at the time, you don`t know if this will remain true in a few days, weeks, or months down the road.<\/p>\n3. There is damage that you’re unsure how to take care of properly. <\/strong>Par exemple, il pourrait s\u2019agir d\u2019un montant important d\u2019eau qui coule dans votre maison. Si on ne s\u2019occupe pas de la fuite de la bonne fa\u00e7on, l\u2019eau qui reste sous les planchers et derri\u00e8re les murs pourrait mener \u00e0 des r\u00e9parations co\u00fbteuses pour traiter de la moisissure et de la pourriture. Il vaut mieux demander de l\u2019aide lorsqu\u2019il s\u2019agit d\u2019un incident avec lequel vous n\u2019avez pas d\u2019exp\u00e9rience.\n\t\t\t\t\t\tComment cela aura-t-il un effet sur ma police d\u2019assurance, y compris le montant \u00e0 payer?<\/h4>\n\t\t\t
As an insurance broker, we work with a variety of insurance companies who each tend to handle claims slightly differently.\u00a0\u00a0The impact on your policy can range from\u00a0zero impact at all<\/b>\u00a0(eg. If your insurer has a “First Claim Forgiveness” feature), to\u00a0et une importante augmentation de votre prime<\/b>\u00a0on your next renewal.\u00a0\u00a0That being said, the impact is usually somewhere in between these two extremes.\u00a0\u00a0A filed claim will usually result in a small and temporary increase in premium in the range of 5-20% per year.\u00a0\u00a0This holds true for a “first claim” or “first claim in years” scenarios.\u00a0\u00a0Obviously, the impact will be greater where there are multiple claims over a short period of time.\u00a0\u00a0A frequency of claims can also lead to your insurer refusing to renew your insurance policy.<\/p>\n
Un autre facteur qu\u2019il faut consid\u00e9rer est la fa\u00e7on dont les assureurs per\u00e7oivent les demandes de r\u00e9clamation.\u00a0\u00a0La Compagnie A\u00a0<\/b>pourrait vous permettre de faire une r\u00e9clamation \u00e9ventuelle, qu\u2019ils vont investiguer puis vous donner les d\u00e9tails des dommages et des co\u00fbts, puis vous donner l\u2019option de vous occuper des dommages vous-m\u00eame ou de faire la demande de r\u00e9clamation.\u00a0\u00a0La Compagnie B<\/b>\u00a0might count it as a claim against your insurance record as soon as you report it!\u00a0\u00a0A quick call to us will allow us to guide you in the right direction without<\/p>\n\t\t\t\t\t\tEst-ce que je vais perdre mon rabais pour les ann\u00e9es sans r\u00e9clamations?<\/h4>\n\t\t\t
Going through with a claim will usually result is losing a claims-free discount, however this is not always the case. Many of the insurance companies we deal with offer a “first claim forgiveness” feature to those who qualify. This option allows you to submit a loss without affecting your policy.<\/p>\n\t\t\t\t\t\t
Quel est le montant de ma franchise, et quand devrais-je la payer?<\/h4>\n\t\t\t
A deductible is a feature that applies to almost all insurance policies.\u00a0\u00a0In a nutshell, it’s the initial amount of any claim that you must first absorb yourself before your insurance kicks in to pay the rest of the claim.\u00a0\u00a0It’s important to try to pick an amount that you feel comfortable with and won’t cause you a lot of financial hardship.\u00a0<\/p>\n
Deductibles play an important role in keeping insurance premiums lower by eliminating a lot of smaller claims, including the costs that come with processing these minor incidents.\u00a0\u00a0The higher you set your insurance deductible, the more the savings on your annual premium.<\/p>\n
There are a couple of insurers that we do business with who have a “shrinking deductible” feature where you may not even have to pay a deductible if you haven’t claimed in a certain number of years!\u00a0\u00a0There are also certain claims scenarios where deductibles generally don’t apply (e.g. theft of the entire vehicle, or windshield chip repairs).\u00a0\u00a0Also, when you are involved in a not-at-fault auto accident for example, usually the at-fault person’s insurance company ends up covering your deductible.<\/p>\n
Deductible are generally quite well indicated on your policy documents.\u00a0\u00a0However, sometimes policies have different deductibles for different types of claims (e.g. $1,000 for Collision claims, but $500 for Fire and Theft incidents).\u00a0<\/p>\n
Don’t hesitate to reach out if you want to discuss where you stand with your deductibles on your insurance policies.<\/p>\n\t\t\t\t\t\t
Vous ne savez toujours pas quoi faire?<\/h4>\n\t\t\t
Give us a call\u00a0and we`ll figure it out together!\u00a0\u00a0After all, that`s what we`re here for.\u00a0\u00a0We’ll go over the options with you so that you can rest easy knowing that you made the right decision as it relates to your potential claim.<\/p>\n\t\t\t\n\t\t\t\t\t\t\tFile a claim\n\t\t\t\t\t<\/a>","protected":false},"excerpt":{"rendered":"Claims Information To Claim, or Not to Claim… We`re very sorry that you have potentially suffered an incident that has brought you to this section of our site.\u00a0\u00a0Fortunately, you`re one of the forward-planners who purchased insurance, so let`s discuss your next move.You carry insurance to protect you from financial hardship due unforeseen incidents. But sometimes…<\/p>","protected":false},"author":2,"featured_media":106,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-67502","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\n
Claims | Vienneau<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/pages\/67502\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claims | Vienneau\" \/>\n<meta property=\"og:description\" content=\"Claims Information To Claim, or Not to Claim… We`re very sorry that you have potentially suffered an incident that has brought you to this section\" \/>\n<meta property=\"og:url\" content=\"https:\/\/govienneau.com\/fr\/claims\/\" \/>\n<meta property=\"og:site_name\" content=\"Vienneau\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-30T14:19:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/highlight-13-v2__dup1_highlight-13-v2_image.webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Claims | Vienneau\" \/>\n<meta name=\"twitter:description\" content=\"Claims Information To Claim, or Not to Claim… We`re very sorry that you have potentially suffered an incident that has brought you to this section\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/highlight-13-v2__dup1_highlight-13-v2_image.webp\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/govienneau.com\\\/claims\\\/\",\"url\":\"https:\\\/\\\/govienneau.com\\\/claims\\\/\",\"name\":\"Claims | Vienneau\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/govienneau.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/govienneau.com\\\/claims\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/govienneau.com\\\/claims\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/govienneau.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/highlight-13-v2__dup1_highlight-13-v2_image.webp\",\"datePublished\":\"2026-07-14T22:03:08+00:00\",\"dateModified\":\"2026-07-30T14:19:04+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/govienneau.com\\\/claims\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/govienneau.com\\\/claims\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/govienneau.com\\\/claims\\\/#primaryimage\",\"url\":\"https:\\\/\\\/govienneau.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/highlight-13-v2__dup1_highlight-13-v2_image.webp\",\"contentUrl\":\"https:\\\/\\\/govienneau.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/highlight-13-v2__dup1_highlight-13-v2_image.webp\",\"width\":1640,\"height\":1092,\"caption\":\"Aerial view of seaside residential area\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/govienneau.com\\\/claims\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/govienneau.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Claims\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/govienneau.com\\\/#website\",\"url\":\"https:\\\/\\\/govienneau.com\\\/\",\"name\":\"Vienneau\",\"description\":\"Independent insurance broker helping clients compare coverage options across multiple insurers to find the right protection at competitive rates.\",\"publisher\":{\"@id\":\"https:\\\/\\\/govienneau.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/govienneau.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/govienneau.com\\\/#organization\",\"name\":\"Vienneau\",\"url\":\"https:\\\/\\\/govienneau.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/govienneau.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/govienneau.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/footer-17_footer-17_logo_image.webp\",\"contentUrl\":\"https:\\\/\\\/govienneau.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/footer-17_footer-17_logo_image.webp\",\"width\":553,\"height\":120,\"caption\":\"Vienneau\"},\"image\":{\"@id\":\"https:\\\/\\\/govienneau.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Claims | Vienneau","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/pages\/67502","og_locale":"fr_FR","og_type":"article","og_title":"Claims | Vienneau","og_description":"Claims Information To Claim, or Not to Claim… We`re very sorry that you have potentially suffered an incident that has brought you to this section","og_url":"https:\/\/govienneau.com\/fr\/claims\/","og_site_name":"Vienneau","article_modified_time":"2026-07-30T14:19:04+00:00","og_image":[{"url":"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/highlight-13-v2__dup1_highlight-13-v2_image.webp","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_title":"Claims | Vienneau","twitter_description":"Claims Information To Claim, or Not to Claim… We`re very sorry that you have potentially suffered an incident that has brought you to this section","twitter_image":"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/highlight-13-v2__dup1_highlight-13-v2_image.webp","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/govienneau.com\/claims\/","url":"https:\/\/govienneau.com\/claims\/","name":"Claims | Vienneau","isPartOf":{"@id":"https:\/\/govienneau.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/govienneau.com\/claims\/#primaryimage"},"image":{"@id":"https:\/\/govienneau.com\/claims\/#primaryimage"},"thumbnailUrl":"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/highlight-13-v2__dup1_highlight-13-v2_image.webp","datePublished":"2026-07-14T22:03:08+00:00","dateModified":"2026-07-30T14:19:04+00:00","breadcrumb":{"@id":"https:\/\/govienneau.com\/claims\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/govienneau.com\/claims\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/govienneau.com\/claims\/#primaryimage","url":"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/highlight-13-v2__dup1_highlight-13-v2_image.webp","contentUrl":"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/highlight-13-v2__dup1_highlight-13-v2_image.webp","width":1640,"height":1092,"caption":"Aerial view of seaside residential area"},{"@type":"BreadcrumbList","@id":"https:\/\/govienneau.com\/claims\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/govienneau.com\/"},{"@type":"ListItem","position":2,"name":"Claims"}]},{"@type":"WebSite","@id":"https:\/\/govienneau.com\/#website","url":"https:\/\/govienneau.com\/","name":"Vienneau","description":"Independent insurance broker helping clients compare coverage options across multiple insurers to find the right protection at competitive rates.","publisher":{"@id":"https:\/\/govienneau.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/govienneau.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/govienneau.com\/#organization","name":"Vienneau","url":"https:\/\/govienneau.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/govienneau.com\/#\/schema\/logo\/image\/","url":"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/footer-17_footer-17_logo_image.webp","contentUrl":"https:\/\/govienneau.com\/wp-content\/uploads\/2026\/07\/footer-17_footer-17_logo_image.webp","width":553,"height":120,"caption":"Vienneau"},"image":{"@id":"https:\/\/govienneau.com\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/pages\/67502","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/comments?post=67502"}],"version-history":[{"count":9,"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/pages\/67502\/revisions"}],"predecessor-version":[{"id":67821,"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/pages\/67502\/revisions\/67821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/media\/106"}],"wp:attachment":[{"href":"https:\/\/govienneau.com\/fr\/wp-json\/wp\/v2\/media?parent=67502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}