Take the Quiz: Do You Know How to Report a Car Accident in Ontario?

Car insurance can help pay for the unanticipated costs of a car accident. But first, you need to report it … right?

Unfortunately, good drivers aren’t immune to car accidents. Collisions can happen to the best of drivers, most often when they least expect it. Whether it is slippery road conditions, a wild animal, an inexperienced driver, or an impaired motorist, there are unforeseen risks on the roads. Thankfully, your car insurance can help cover the unanticipated costs of an accident. But first, you’ll need to report it.

Test your knowledge to see how well you know when to report a car accident and to whom in Ontario.

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What Should You Do If You Have Been in a Car Accident?

If you have been in an accident, follow these next steps:

  • Stop: Don’t leave the scene and pull over as soon as it is safe.
  • Check: Make sure no one is hurt. Call 911 and don’t move the victims if there are injuries.
  • Move: When it is safe to do so, move your car off the roadway and out of traffic. If you can’t, turn on your hazard lights or set up flares.
  • Report: Call the police if there are injuries, the damages total more than $2,000, or if the accident meets any of the other requirements.
  • Document: If it is safe to do so, document the damage with photographs and video if available, and exchange information with the other driver.

Remember to get your documents back from the other driver and visit a collision reporting centre if directed by police or for self-reporting. From there, you can work with your adjuster and your auto insurance provider to navigate the claims process.

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