Crisis Management

If you find yourself in a crisis situation, never admit liability.

Stay Calm and Write Everything Down

In times of crisis, slowing down is often the best approach. If you’ve just been in a car collision, or are a victim of theft, there are things you can do to manage the situation such as:

  • Call 911 if anyone is injured.
  • After a collision, if it is safe to do so, move your vehicle to the side of the road.
  • Contact the police if you suspect you are a victim of a staged collision or any type of theft.
  • After a car collision or a theft, immediately record – (on paper and take photos) – as many details (licence plate numbers, drivers’ licences, etc.) as possible.

When Mother Nature Strikes

A crisis can also be weather related. Whether your vehicle has been damaged by water, wind, fire, ice or an earthquake​, make sure you know what to do in the event of an emergency, and have an emergency kit​ stored in your vehicle.


Car Crash 

Crash. Stay calm and if anyone is injured call 911. It’s important to note all contact information and collision details at the scene and take action within 48 to 72 hours.

Claims Process 

Claims Process. Immediately after a collision, contact your insurer to make a claim. Learn more about the claims process in your province.


Repairs. Your insurance adjuster will determine if your vehicle will be repaired or replaced or written off.

Loss Prevention 

Loss Prevention. After a collision, watch out for repair shop scams and other preventable losses.


How Fault Is Assessed after a Collision

You can be found anywhere from 0% to 100% at fault. Any driver who is more than 0% at fault will have an “at-fault” collision on his or her insurance record. If a friend or family member is held responsible for an at-fault collision while driving your car, it appears on your insurance record. Learn more about how insurers assess fault in your province.