Car accidents can happen in a split second, leaving you shaken, stressed, and unsure of what to do next. Whether it’s a minor fender-bender or a major collision, knowing the right steps to take after a car accident in Ontario can protect your safety, your rights, and your insurance claim.
1. Stay Calm and Check for Injuries
The first thing you should do is stay calm and assess the situation. Check yourself and your passengers for injuries. If anyone is hurt, call 911 immediately. Do not attempt to move seriously injured people unless there is an immediate danger, such as a fire.
2. Move to Safety if Possible
If the vehicles are drivable and it’s safe to do so, move them to the side of the road to avoid blocking traffic. Turn on your hazard lights and use warning triangles if you have them. Safety should always come first.
3. Call the Police
In Ontario, you are required by law to report an accident to the police if:
There are injuries or fatalities,
Property damage exceeds $2,000, or
A criminal offence is suspected (e.g., impaired driving).
For minor accidents, you may be directed to a Collision Reporting Centre (CRC) instead of waiting for police at the scene.
4. Exchange Information
Collect the following details from all drivers involved:
Full name, address, and phone number
Driver’s licence number
Vehicle registration
Insurance company and policy number
Also note the make, model, and licence plate of all vehicles. Avoid discussing fault or blaming anyone — leave that to the insurance companies and authorities.
5. Document the Scene
Use your phone to take photos and videos of the accident scene, vehicle damage, road conditions, skid marks, and any traffic signs. If there are witnesses, get their contact information as well. These details can be extremely helpful when filing an insurance claim.
6. Report the Accident to Your Insurance Company
Contact your insurance provider as soon as possible, ideally within 24 hours. Provide all necessary details and follow their instructions for filing a claim. Delaying your report can complicate your claim process.
7. Visit a Doctor
Even if you feel fine, some injuries (like whiplash or internal bruising) may not show symptoms immediately. It’s best to get a medical check-up after any accident.
8. Keep All Records
Keep copies of police reports, medical documents, repair estimates, and all correspondence related to the accident. These records will be valuable for insurance or legal purposes.
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