The Groupement des assureurs automobiles (GAA) is a Quebec-based organization that unites all automobile insurers operating in the province. It ensures access to mandatory civil liability insurance for all vehicle owners, regardless of risk level[1][3]. The GAA facilitates claims settlement through the Convention d'indemnisation directe and manages the Fichier central des sinistres automobiles (FCSA), which provides claim history data to insurers[2][5]. Its target audience includes vehicle owners and insurers. The unique selling proposition is its role in streamlining claims processes and ensuring equitable insurance access for all Quebec residents[1][3].