{"id":3400,"date":"2018-05-02T13:09:40","date_gmt":"2018-05-02T17:09:40","guid":{"rendered":"https:\/\/www.globecar.com\/?page_id=3400"},"modified":"2024-05-08T07:53:39","modified_gmt":"2024-05-08T11:53:39","slug":"faq27","status":"publish","type":"page","link":"https:\/\/www.globecar.com\/en\/help\/claims\/faq27\/","title":{"rendered":"Personal FAQ27 Coverage from your own vehicle"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row is_header=&#8221;true&#8221;][vc_column][vc_column_text]<\/p>\n<h1>Had a car accident? Please don&#8217;t worry!<\/h1>\n<h2>Globe handles your accident claim from A to Z on your behalf free of charge<\/h2>\n<p>However, we need your cooperation to make this as easy as possible.<br \/>\nPlease read the following documents carefully as they contain important information.<\/p>\n<h3>At time of rental, which protection did you use?<\/h3>\n<p><em>Click on your protection below<\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_wp_custommenu nav_menu=&#8221;4098&#8243;][\/vc_column][\/vc_row][vc_section is_container=&#8221;true&#8221;][vc_row][vc_column][vc_column_text]<\/p>\n<h2>Used your personal FAQ27 coverage from your own vehicle<\/h2>\n<p>We will assist you in making a claim with your personal vehicle coverage. This type of claim is the same process as if you were claiming damage on your own personal vehicle. Here is the process:<\/p>\n<ol>\n<li>You must call your personal car insurance company or broker to report the accident immediately. Their number is found on the pink slip or your insurance agreement.<\/li>\n<li>You will be asked a series of questions and you will be given a claim #, relay this claim number immediately to: claims@globecar.ca (be sure to include your contract #).<\/li>\n<li>You will be responsible to pay any applicable deductible in full directly to Globe Car Rental<\/li>\n<li>If you prefer not to open a claim, you must pay the entire claim directly to Globe immediately.<\/li>\n<li>We will advise you when the claim is closed.<\/li>\n<\/ol>\n<p>Failing to comply in initiating the claims process within 48 hours will result in violation of your rental agreement.<br \/>\nRemember: you are ultimately responsible for the loss until it is settled and payment is received from your personal coverage.[\/vc_column_text][vc_toggle title=&#8221;Will my insurance premium go up if I make a claim?&#8221;]It depends. Different insurance company guarantee no rate increases even with multiple claims if certain conditions are met. It is best to check with your broker. This is why we recommend and informed you to purchase Globe\u2019s coverage to avoid such risk.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-1733 size-full\" src=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium.png\" alt=\"Rental agreement\" width=\"480\" height=\"235\" srcset=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium.png 480w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium-150x73.png 150w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium-300x147.png 300w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium-68x33.png 68w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium-200x98.png 200w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium-68x33@2x.png 136w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/premium-200x98@2x.png 400w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>[\/vc_toggle][vc_toggle title=&#8221;What if I don\u2019t want to open a claim, can you make me a deal?&#8221;]No. We need to recuperate the cost to repair or replace the loss according to the manufacturer\u2019s standard. We use approved repair shops that are certified to meet the manufacturer\u2019s requirement\u00a0to determine the repair time by model and damage. All prices are industry set and defined by repair catalogue for each item Parts and Labour.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-1730 size-full\" src=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract.png\" alt=\"Rental agreement\" width=\"402\" height=\"303\" srcset=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract.png 402w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-150x113.png 150w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-300x226.png 300w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-68x51.png 68w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-200x151.png 200w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-68x51@2x.png 136w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-200x151@2x.png 400w\" sizes=\"(max-width: 402px) 100vw, 402px\" \/>[\/vc_toggle][vc_toggle title=&#8221;Can I repair the vehicle myself or send it to another garage?&#8221;]No, for liability reasons Globe is ultimately responsible for the integrity of the vehicle which will be rented to future drivers. Therefore, legally we must ensure that the vehicle is repaired according to Manufacturer\u2019s standard with pre-approved body shops we have inspected and authorized.[\/vc_toggle][vc_toggle title=&#8221;Can I know the repair amount first in order to make an informed decision?&#8221;]Yes, if you are considering paying for the damages yourself instead of opening a claim with your insurance company, you may request the estimate from Globe\u2019s claim department by contacting them directly at claims@globecar.ca[\/vc_toggle][vc_toggle title=&#8221;What is a Joint Accident Report?&#8221;]Please <a href=\"https:\/\/ssq.ca\/sites\/default\/files\/archives\/site-08\/joint_report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here<\/a> to read about the Joint Accident Report and obtain a copy.[\/vc_toggle][vc_toggle title=&#8221;Do I have to fill out an incident report?&#8221;]Yes, fill out an incident report at all times and it must be given at return. If you have not completed one, please do so and send it to claims@globecar.ca and write your contract number.[\/vc_toggle][vc_toggle title=&#8221;Do I have to fill out a police report?&#8221;]Yes, you have to make a police report in the following cases:<\/p>\n<ul>\n<li>Hit and Run<\/li>\n<li>Vandalism (Broken windows, theft of content, etc..)<\/li>\n<li>Theft of vehicle<\/li>\n<li>Major accidents when police are involved or the vehicle was undriveable.<\/li>\n<li>Incidences with bodily harm<\/li>\n<li>Damage to property (hitting a building, a pole, etc\u2026)<\/li>\n<\/ul>\n<p><strong>One of the above applies to me, when do I have to report my accident to the police?<\/strong><\/p>\n<p>Immediately! We require that you report any accident\/loss to us immediately via by phone. If for some reason we are not reachable especially after closing time, please send an email describing the incident and your contract #. If the police will not visit the accident site due to lack of injury or damage, you must then supply a \u201cJoint Accident Report\u201d found in your rental car\u2019s glove box.[\/vc_toggle][vc_toggle title=&#8221;I didn\u2019t do the damage myself and found it like that after I left it in the parking, do I still have to pay for this?&#8221;]Yes, often damage occurs while you are away. You remain responsible for the vehicle until it is returned to us and verified by a physical agent.[\/vc_toggle][vc_toggle title=&#8221;I dropped off the car after hours and there was no damage?&#8221;]According to the rental agreement, all renters are responsible for the vehicle even after they return it and until it is checked in by a physical agent. To avoid this, you can return the vehicle during normal business hours.<\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td><strong>Sample Kiosk Transactions<br \/>\n<\/strong><br \/>\n<a href=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions.png\"><img decoding=\"async\" class=\"alignnone wp-image-1729 size-medium\" src=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions-300x240.png\" alt=\"Kiosk terms and conditions\" width=\"300\" height=\"240\" srcset=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions-150x120@2x.png 300w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions-150x120.png 150w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions-68x54.png 68w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions-200x160.png 200w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions.png 567w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions-68x54@2x.png 136w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/kiosk-transactions-200x160@2x.png 400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/td>\n<td><strong>Sample Standard Contract<br \/>\n<\/strong><br \/>\n<a href=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract.png\"><img decoding=\"async\" class=\"alignnone wp-image-1730 size-medium\" src=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-300x226.png\" alt=\"Rental agreement\" width=\"300\" height=\"226\" srcset=\"https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-150x113@2x.png 300w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-150x113.png 150w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-68x51.png 68w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-200x151.png 200w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract.png 402w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-68x51@2x.png 136w, https:\/\/www.globecar.com\/wp-content\/uploads\/2017\/09\/standard-contract-200x151@2x.png 400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_toggle][vc_toggle title=&#8221;This damage was already there, so I am not responsible, right?&#8221;]If the damage was already there, then it would be noted on the car rental damage diagram at the time of pick up. If not, you need to open a claim because this is new damage.[\/vc_toggle][vc_toggle title=&#8221;I used the kiosk and I sent pictures of new damage I found before I left, now what?&#8221;]If you used our kiosk service, and you had sent in photos within 30 minutes of picking up your car, advise your claim manager : claims@globecar.ca[\/vc_toggle][vc_toggle title=&#8221;I have a deductible, who pays that?&#8221;]The policy holder. Your own insurance policy determines the amount. You will have to pay the deductible directly to us. If you are not at fault, your insurance company will cover the full cost of repair.[\/vc_toggle][vc_toggle title=&#8221;What will happen if, for any reason, my insurance doesn\u2019t want to pay for the damage?&#8221;]You are ultimately responsible for the loss and must reimburse Globe immediately for the damage or loss.[\/vc_toggle][vc_toggle title=&#8221;Can\u2019t Globe call my insurance and open the claim and do the whole process on their own?&#8221;]No, your personal insurance policy belongs to you and you are the sole beneficiary. We cannot open claims on behalf of clients, insurance companies won\u2019t accept it.[\/vc_toggle][vc_toggle title=&#8221;Can I continue to rent even if I have a claim?&#8221;]Yes, provided you are not in breach of contract with previous rental and that you have opened a claim with your insurance company.[\/vc_toggle][vc_toggle title=&#8221;What if I don\u2019t open my claim?&#8221;]Your file will be sent to collection, incur fees, interest and other charges. This will affect your credit rating as well.[\/vc_toggle][vc_toggle title=&#8221;It is just a hubcap, can I buy it myself?&#8221;]<span style=\"font-weight: 400;\">No, all replacement parts must be approved, replaced by Globe or its affiliated repair shops.<\/span>[\/vc_toggle][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row is_header=&#8221;true&#8221;][vc_column][vc_column_text] Had a car accident? Please don&#8217;t worry! Globe handles your accident claim from A to Z on your behalf free of charge However, we need your cooperation to make this as easy as possible. Please read the following documents carefully as they contain important information. At time of rental, which protection did you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1736,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"footnotes":""},"class_list":{"0":"post-3400","1":"page","2":"type-page","3":"status-publish","5":"entry","6":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Claims with Personal Insurance | Globe Car &amp; Truck Rentals in Montreal<\/title>\n<meta name=\"description\" content=\"Learn more about the claims process if you have covered your rental with your personal FAQ27.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.globecar.com\/en\/help\/claims\/faq27\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal FAQ27 Coverage from your own vehicle\" \/>\n<meta property=\"og:description\" content=\"Had a car accident? 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