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Complaints and Disciplinary Actions

Anyone who is concerned about the behaviour or the quality of services of a damage insurance agent, a damage insurance broker, or a claims adjuster may file a complaint with the Syndic’s office.

Processing of Complaints

Concretely speaking, the Syndic’s office of the ChAD is tasked with conducting investigations to determine whether the professional acts the member has performed comply with the codes of ethics and the Act respecting the Distribution of financial products and services and its regulations. Depending on the circumstances, the syndic may file a formal complaint before the ChAD’s Discipline committee or take any other measure he believes appropriate.


Hearings and disciplinary actions

The Discipline Committee of the ChAD is the disciplinary tribunal for damage insurance professionals. This tribunal is made up of three people: a chairperson, who is a lawyer in practice for at least ten years, and who is appointed by the Minister of Finance; and two professionals, who are certified in the same sector as that of the professional against whom the complaint has been filed. The Discipline Committee of the ChAD, as well as those of other self-regulatory organizations and professional orders, are the concrete embodiment of the system known as “judgement by one’s peers.”