March 6, 2018 07:00
Johanne Lamanque | Photo : Réjean Meloche
2018 will mark the 40 years of existence of the Groupement des assureurs automobiles. The organization wants to raise awareness of the industry to turmoil ahead for the automotive.
The tools produced or supervised by the GAA, such as the accident report and the fichier central des sinistres automobiles, are frequently used in Quebec. Few of them realize, however, that this is the Group which the product, despite the fact that we find its image of mark. Is this a problem ? Not really, responds its director-general Johanne Lamanque, with who looked after the Journal of the insurance.
It remains that she wants the GAA as a force in the automobile insurance plan in the eyes of the Québécois, even if this feature does not jump to the eyes. These tools are effective is a proof of this recognition, » says dr. Lamanque.
$ 140 Million transferred to the PRR in 2017
The GAA oversees the Plan de répartition des risques (PRR). An insurance company that does not wish to retain in its portfolio a client representative, to him, a greater risk may transfer to the PRR. All of the companies to ensure collectively this risk. The insured, for its part, continues to do business with the insurer of his choice, as much for the underwriting of his insurance for a claim settlement. During the past year transfers to PRR amounted to $ 140 million dollars (M$).
«Even if he does not know the GAA itself, the consumer knows which door to knock when it is in need of our services. He knows us and indirectly, » said Ms. Lamanque.
Adapt to the new currents
She also emphasises that, as the GAA has adopted in the development of the industry, its relevance remains. She gives the example of the creation of the «constat amiable» electronic, downloadable smart-phone.
Proof of insurance electronic card (pink) is also in the plans. A first province comes from the adoption of : the Nova Scotia. However, in Quebec, the police have some misgivings. Ms. Lamanque has confidence that this project is realized, recalling that it comes from a desire of regulators in insurance, meeting within the Council of canada responsible for the regulation of insurance (CCIR).
Keep up-to-date by reinventing themselves
One of the challenges of the GAA is to keep up-to-date in their various mandates. These are going to provide information to quebec motorists about their insurance coverage to guide the estimation automobile in Quebec, » said Ms. Lamanque.
«It is necessary to define this vision and identify these new skills. The intelligent vehicles will change the very concept of automobile insurance. It will have an impact on the consumer. One must be aware of what is happening and what will develop. «
The main challenge facing the GAA, according to Ms. Lamanque, is to get the industry to reinvent itself in relation to the basic principles of automobile insurance in Quebec. «Young people have less interest to be an owner of a motor vehicle. They want to nevertheless use it when they need it. It is necessary to face this reality. The economy collaborative is a reality that one lives in Montreal. The industry will need to develop endorsements. Insurers are very aware of. «
The dilapidation of the systems leads to a heaviness
The challenge for insurers, however, is great, » said Ms. Lamanque. The obsolescence of their systems so that there is a heaviness to integrate new technologies. It is a challenge, » she said.
The presence of the GAA, however, ensure that the quebec insurers can rely on an integrated approach, which is the envy of other provinces, where the functions are spread from one organism to another, » said Ms. Lamanque. Quebec is also the province where the average premium is the lowest, and this, even if one removes from the equation the part of the bodily injury, the insurers cover in most other canadian provinces.
Choices that report
«In 1978, when the GAA has seen the light of day, Quebec was in a crisis regarding the issue of injury, which also led to the Société d’assurance automobile du Québec (SAAQ) to see the light of day. These choices relate to it today «, said Ms. Lamanque.
The GAA has also been able to adapt to its mandates over the years, underlines its director-general. In 1978, its main mandate was to set up distribution centers in estimation. Then, in 2012, in the face of the times most responsible of people, these physical locations have become less necessary. These are the estimators that move and not the consumers.
The fichier central des sinistres automobiles arrived en route, in 1990. Over the past year, it has been viewed 1.6 million times. Of this number, a little more than 20 000 consultations are made by consumers.
Sharing of resources with the TRAY
The Groupement des assureurs automobiles sharing various resources with the insurance Bureau of Canada (IBC), in particular at the level of its teams in communication and administrative services. Ms. Lamanque oversees the activities of the LAC in Quebec. The two organizations share the same premises. Even in the insurance industry, this is a coexistence that sometimes makes sure that people are mixed about the role of the one and the other, as Ms. Lamanque recognizes.
The two agencies have virtually the same members, except that an insurer that wants to hedge a risk in the motor vehicle in Quebec must be a member of the GAA. The membership of the IBC is voluntary.
In 2013, the two organizations have conducted a wide-ranging debate. They had come to be two entities completely separate ? The conclusion was that no, the main reason being that this co-existence allows the two agencies to have a peripheral vision of the industry.
In 2010, the boards of directors of both organizations were composed practically of the same persons, which has raised questions on their governance. Particular attention is paid to this issue since, said Ms. Lamanque.