What to do if you’re in a car accident
(NC)—A car accident is stressful whether • Ask other passengers and any witnesses
How to make a
Photo courtesy of Metro Creative Graphics Inc.
it’s a fender bender or a more serious for their names and phone numbers.
collision. We need to remain calm, but • Jot down details about the accident,
car insurance claim shock and confusion can make it hard including how it happened, the time, date
to think clearly. and location, the speed of all cars, and
The Financial Services Commission of the road conditions.
(NC)—You must report a car accident • Your injuries and the damage to the Ontario (FSCO) advises us to learn ahead • A sketch of the accident scene noting the
to your insurance agent, broker or car you were in. of time what we should do if we are position and direction of the vehicles
company within seven days if someone • Any apparent injuries to others involved in an accident and offers this is also helpful.
is killed or injured, if total property involved in the accident. advice: • When damage to all property including
damage apparently exceeds $1,000, or • Any apparent damage to other cars Always call police to the scene of an the cars appears to be more than $1,000,
if you plan to make a claim for property and property. accident where someone is hurt or if call your local police. The Highway
damage. • The name and badge number of the you suspect any other driver of a Criminal Traffic Act of Ontario states that
Your insurance representative will investigating police officer, if there Code offence, such as drunk driving, or collisions with a total property damage
ask you to supply the following was one. if you think the total damage to property apparently exceeding $1,000 must be
information when making a claim • The company name and the is more than $1,000. reported to the police. If you are not sure
• The driver’s name and driver’s licence municipal licence number on the tow Never try to move an injured person – if the damage exceeds this amount,
number. truck, if applicable. you may make the injuries worse. call the police.
• If you are not the owner of the car, What happens next? If no one is hurt • The police will provide instruction on
• If it is safe, try to move your car to what to do next. Depending on where
the name and address of the registered Once your claim is reported, the claims
the side of the road, out of traffic. If you the accident happened, you may need to
car owner. adjuster assigned to your file will can’t drive your car, turn on your hazard wait for the police to attend or be directed
• The registered owner’s car insurance contact you. In some cases the adjuster lights or use cones, warning triangles or to the nearest Collision Reporting Centre
policy number. will want to meet with you in person, flares. (visit www.accsupport.com to locate the
• The make, model, year, and in other cases the entire claim will • Get the names, addresses, telephone reporting centre nearest you). If there
registration and licence plate numbers be handled over the telephone. numbers, insurance particulars, driver’s is no reporting centre in the area, police
of the cars. Your adjuster will determine how licence and licence plate numbers from may ask you to go to the nearest police The Financial Services Commission
• Details of the accident, including the much of your claim is covered by your all other drivers. station to file an accident report. of Ontario is an agency of the Ministry
date, time and location, and the insurance policy, explain the coverage • Make sure you have the names and More information about what to do after of Finance and regulates the province’s
names, driver’s licence numbers and it provides, and help guide you through addresses of the registered owners of all a car accident is available at www.fsco. insurance industry.
insurance particulars (name of the entire claims process. Be sure to cars involved. gov.on.ca. - News Canada
insurer, policy number) of the other ask your claims adjuster about anything
drivers. you don’t understand.
• The names and telephone numbers More information about how to make
of the passengers in all the vehicles
a car accident claim is available at
Remember these car accident tips
• The names and telephone numbers The Financial Services Commission
of any witnesses. of Ontario is an agency of the Ministry • Remain calm. • If you fail to report a collision or provide the necessary
• The licence plate and vehicle of Finance and regulates the province’s • Do not argue with the other drivers and passengers. Save information, the penalty is a fine of from $200 to $1000,
identification numbers of the other insurance industry. your story for the police. three demerit points, a possible jail term and driver’s licence
cars. - News Canada • Never voluntarily take responsibility or assume liability, suspension.
sign statements about who’s at fault, or promise to pay More information about what to do after a car accident is
for damage. available at www.fsco. gov.on.ca.
• The Highway Traffic Act of Ontario states that collisions The Financial Services Commission of Ontario is an agency
with total property damage apparently exceeding $1,000 of the Ministry of Finance and regulates the province’s
EDITORS: must be reported to the police. If you are not sure if the insurance industry.
These articles are for use in Ontario only damage exceeds this amount, call the police. - News Canada