For the same outstanding service, our insured members can contact us by phone (1-877-799-8844) at the following times:
For an emergency outside of our business hours, members can call our emergency call centre at the same number, 1-877-799-8844.
Our mutual insurance association is pleased to announce, together with SDED (Société de développement économique de Drummondville), that it has donated $25,000 to support the Fonds Mentorat Desjardins fund. This money will available to mentored companies until 2023.
Over the past two years, this financial support has enabled mentees to acquire various equipment (software and the like), take part in promotional events, get specialized training, and more. In practical terms, the money paid into the fund is used to carry out specific projects promoting the growth of mentored businesses that do not have access to conventional financing. Our financial contribution will go a long way in developing the full potential of young entrepreneurs.
Pictured here are Agathe Leclerc, chief mentor, Richard Bourbeau, chief mentor, and Julie Biron, acting executive director of Société de développement économique de Drummondville, with Guylaine Romanesky, executive director of Promutuel Insurance Centre-Sud.
THERE for holiday fun and enjoyment
As a proud local mutual, Promutuel Insurance Centre-Sud is pleased to announce that it is donating $300,000 to support mental health in the region.
The money will go to six local community organizations that advocate for mental health:
The pandemic has drastically changed the daily lives of most residents in the region. They are now dealing with new emotions, changes in behaviour, thoughts, and feelings, as well as new realities. In a spirit of strong solidarity, Promutuel Insurance Centre-Sud is supporting these six organizations, which have seen heavy demand during the pandemic. As we near the end of the year, and at a time when mental health support is desperately needed and the numbers are skyrocketing, Promutuel Insurance Centre-Sud has made mental health a priority.
We’re all susceptible to mental health challenges. It’s important to take care of ourselves and those around us. As the holiday season approaches, we wanted to give a magical and meaningful gift to organizations that directly help people in our community who are experiencing psychological distress. We care about the many residents facing difficulties at this time. Our donations will give them access to quality services and be a source of comfort.
Even good drivers make mistakes sometimes, like running a red light. These things happen, which is why it’s important to be properly covered in the event of a collision with another motorist. But will the damage to your vehicle still be covered if you’re at fault in the accident? Here’s what you need to know about your car insurance if you run a red light and cause an accident.
The short answer is yes, your insurer will cover the damage to your vehicle, but only if you have the right coverage for this type of accident. In other words, if you want to be compensated for the damage, your car insurance policy must include “Collision and overturning” or “Comprehensive” protection, in addition to third party liability coverage.
For example, if your car insurance policy includes only third party liability, sometimes referred to as “one-way” coverage, your insurer will not cover the damage to your vehicle caused by the collision. In Québec, the owner of any road vehicle must have third party liability insurance to cover the owner for:- Property damage to their vehicle in the event of a collision between at least two vehicles in Québec for which they are not responsible; liability is determined by the insurer using the chart set out in the Direct Compensation Agreement - Physical damage and bodily harm in the event of an accident outside Québec for which they are responsible - Property damage caused to others for which they are responsible
Comprehensive coverage, or “two-way” coverage, ensures you’ll be compensated in the event of damage to your insured vehicles. This coverage means your car insurance policy includes “Comprehensive” or “Collision and overturning” protection as well as “Risks that are not a collision or overturning” protection, which covers risks such as theft or damage caused by fire, wind or hail, and vandalism, to name a few. Additional coverage is also available to meet your specific needs. Ask your damage insurance representative what’s right for you.
After a collision, if there are any physical injuries, fainting, or discomfort of any kind, emergency services should be contacted immediately.
If there are no injuries, the parties involved must fill out a joint report as soon as possible. This document lets the parties involved identify themselves and give details on the accident and any damage to the vehicles. You can obtain a copy of this report on the Groupement des assureurs automobiles (GAA) website or by downloading the mobile app.
But just remember that the sole purpose of the joint report is to record the facts. It does not establish who was at fault in an accident. Your insurer will use the joint report to determine your share of responsibility for the accident in order to calculate the compensation to which you are entitled.
Your insurer will determine who is responsible for the collision, which is why it is important to contact them immediately after completing the joint report. They will use the chart set out in the Direct Compensation Agreement to establish who is at fault. The Agreement applies to collisions occurring in Québec between two vehicles whose owners have been identified.
Note that the Agreement does not apply to hit-and-runs, as the owner of the vehicle responsible for the accident cannot be identified. If you want to ensure you’ll be compensated in the event of a hit-and-run, you must have the optional “Comprehensive” or “Collision and overturning” protection. This is something you can mention when shopping for a new policy.
In short, it’s important to fully understand the terms and conditions of your car insurance before you get behind the wheel. That way, you can avoid unpleasant surprises when it comes time to submit a claim, whether you’re responsible for the accident or not. Happy driving!
Winter is for playing. And since our playground is as big as nature itself, we’ve prepared a short list of our favourite places and activities. So grab your mitts and hold onto your hat. You won’t want to miss any of these!
Vallée Bras-du-Nord is second to none for winter fun. This vast natural setting has 80 km of marked trails for hiking and snowshoeing, with yurts and shelters where you can warm up. An extraordinary winter experience to share with family and friends.
Did you know that Québec’s longest river skateway is right here in Joliette? Two frozen corridors cover 4.5 km of L’Assomption River for your skating pleasure. Take a spin through a natural wonderland in your very own backyard.
Skiing and snowboarding
In the heart of the Laurentians, Sommet Saint-Sauveur and the Avila slope has 40 runs for your family to enjoy. With moguls, tree runs, and groomers, this natural playground is perfect for beginners and experts alike. Meet you at the top!
Put on your winter boots and explore the largest man‑made forest on Québec’s south shore. Hikers in this captivating forest will enjoy breathtaking views of the Spicer Rapids in the Saint-François River.
Snowshoeing, cross-country skiing, skating, and tubing
Parc Les Salines has no fewer than 105 hectares of nature, marked trails, and sledding runs just ten minutes from Saint-Hyacinthe. You can go snowshoeing, cross-country skiing, walking, skating, and tubing at absolutely no charge. It’s a great way to spend a day with family and friends!
Cross-country skiing, fatbiking, snowshoeing, hiking, and sledding
Another regional favourite in Saint-Bruno-de-Montarville is Parc national du Mont-Saint-Bruno. There’s no shortage of winter activities here! The choices are endless, from fatbiking, which is perfect for snow, to snowshoeing and hiking. The park even has a Ski-Viel, a device that can be adjusted and put on wheelchairs that allows people with limited mobility to enjoy a winter hike on snowy paths.
There you have it! We hope these favourites will inspire you to play outside. Enjoy some snowy fun as the winter wind turns your cheeks rosy!