How to Report a Car Accident in Ontario?

Being involved in a car accident can be a stressful and overwhelming experience. In such situations, it is crucial to understand the proper procedures for reporting the incident to ensure your safety, protect your rights, and comply with the legal requirements in your province. 

We aim to provide a comprehensive guide to you on how to report a car accident in Ontario, outlining the necessary steps to follow and the relevant information you need to gather. By familiarizing yourself with these procedures, you can navigate the aftermath of an accident more confidently and efficiently.

 

What to do immediately after a car accident?

 

Prioritize Safety:

The safety of all parties involved should be your top priority immediately after a car accident. Move your vehicle to a safe location if possible, turn on hazard lights, and, if necessary, call emergency services for medical assistance. Ensure your own safety and that of others involved before proceeding with the reporting process.

 

Exchange Information:

Once everyone is safe, it is important to exchange information with the other parties involved in the accident. Obtain the following details from each driver:

• Full name

• Contact information (phone number, address)

• Driver's license number

• License plate number

• Insurance information (company name, policy number)

 

Document the Accident Scene:

Documenting the accident scene can provide valuable evidence for insurance claims and legal proceedings. Take the following steps to gather essential information:

• Take photos of the vehicles involved, including their positions and any visible damages.

• Note the date, time, and location of the accident.

• Record weather conditions, road conditions, and any other relevant factors that may have contributed to the accident.

• If there are witnesses, collect their contact information as they may be valuable in providing statements later.

 

Steps to follow to report a car accident

 

Report to the Police:

In Ontario, it is mandatory to report a car accident to the police in certain situations. You must report the accident to the police if:

• There are injuries or fatalities.

• The total damage to all vehicles involved appears to be over $2,000.

• One of the drivers involved fails to produce a valid driver's license or insurance information.

• The accident involves a government vehicle or damage to property such as a highway sign or traffic light.

 

Obtain a Collision Report:

Collision reports are typically necessary for insurance and legal purposes. If there are no injuries and the total damage to all vehicles seems to be under $2,000, contact a Collision Reporting Center instead of the police within 24 hours of the accident. 

At the reporting center, you will be required to fill out a police report and have photographs taken of the damage to your vehicle. You will need this documentation to provide to your insurance company. You can typically obtain a copy of the collision report online through the Collision Reporting Centre (CRC) website or in person at the CRC location designated by the police.

 

Notify Your Insurance Provider:

Contact your insurance provider as soon as possible after the accident to report the incident. Provide them with accurate and detailed information about the accident, including the other driver's information and the police case number. Be prepared to answer questions about the circumstances of the accident and provide any supporting documentation requested by your insurer. 

 

 

Seek Medical Attention:

Even if you do not believe you have sustained serious injuries, it is advisable to seek medical attention following a car accident. Some injuries may not be immediately apparent, and a medical evaluation can ensure any underlying injuries are identified and treated promptly. Retaining medical records can also be important for insurance claims and potential legal actions.

 

Keep Detailed Records:

Throughout the entire process, it is essential to keep detailed records of all communications, documents, and expenses related to the accident. This includes medical bills, repair invoices, insurance correspondence, and any other relevant information. These records will help support your claims and protect your rights in case of any disputes or legal proceedings.

Knowing how to report a car accident in Ontario is crucial for every driver. By following the proper procedures and gathering the necessary information, you can ensure your safety, protect your rights, and facilitate the claims process with your insurance provider.