Claims Process After a collision, contact your insurer to make a claim. If the collision involved loss or damage to persons or property you may have only 7 days to notify them about the collision. An adjuster will be assigned to work on your claim and evaluate total damages. Making Your ClaimMost policies require that a written declaration or "proof of loss" is completed by the insured. If you don't make your claim within a set time period, your insurer may not be legally bound to cover it. In practice, most insurers will honour a claim made within 1 year. You should: Complete a "proof of loss" within 90 days of the collisionNotify the other driver of claim against them (if applicable)Notify the other driver's insurance company (if applicable)Review your policy and contract term limits if you intend to sue your own insurer If you have purchased collision or all perils coverage, your insurer will pay for the damage. You must not voluntarily assume liability (responsibility) for any collision or settle any claim, except at your own cost. 3 Key Claims TipsIf you are injured, you may be entitled to benefits. Your insurer will provide the Statutory Accident Benefits Schedule, the necessary claim forms and help you complete them.If your vehicle is damaged but repairable, your insurer may suggest repairs be carried out by one of their preferred shops. These are repair facilities the insurer has evaluated as to the quality of their work. If you select a repair shop on your own and the work is unsatisfactory, you will need to deal with the shop. Note that your insurer will not pay more than the price quoted by their preferred shop. If the damage is major and cannot be repaired to a safe state, or the cost of repairs is more than the value of the vehicle before it was damaged, the insurer may declare the car a total loss and negotiate the settlement.Your Claims AdjusterA claims specialist or “adjuster” will be assigned by your insurer to look after your claim and determine how much damage is covered. How to Document Your Auto Insurance ClaimTake photos with your cellphone and sketch the accident scene. Note the positions of the vehicles.It’s important to record all collision details and share them with your adjuster:How it happened, the time, date and locationThe speed of your vehicle and the road conditionsInsurance information (i.e. driver’s licences, plate numbers, insurance companies and brokers)Contact information (i.e. names, addresses, phone numbers) of drivers, passengers and witnesses Learn more about how you can prevent further loss after a collision. Take the Time. Report the CrimeInsurance crime isn’t always the work of organized groups or gangs running auto theft or insurance crime rings as a business. It can also involve normally law-abiding citizens who attempt to make a few extra dollars by padding an otherwise legitimate claim. So, You've Had an AccidentAccidents are stressful, but stay calm, and use this form to record important details. Related ServicesCar CrashStay calm and if anyone is injured call 911. It’s important to take notes at the scene of a collision and report the incident to your insurer within 48 to 72 hours. Use IBC’s form to record all contact information and collision details. RepairsYour insurer determines if your damaged vehicle will be replaced, repaired or written off. If it’s repaired with better parts, you may need to contribute to the additional cost. Loss PreventionBy practising safe driving techniques, you can prevent a collision. If you are in a collision, watch out for repair shop scams and other preventable costs. Distracted DrivingNearly 3 out of 4 Canadian drivers admit to driving distracted.2 You are 23 times more likely to crash if you text while driving. Useful LinksStaged CollisionsA staged or alleged vehicle collision supports false auto insurance claims. Staged collisions put innocent drivers at risk and contribute to higher insurance premiums. Dispute ResolutionYou have options when filing a complaint. Start by getting more information from your insurer. Consider contacting the company’s ombudsperson. If your dispute is not resolved, you can contact the General Insurance OmbudService (GIO) or a federal or provincial Superintendent of Insurance. Fleet LiabilityPreventive maintenance is an essential part of an effective fleet risk-management program. Your organization may be held liable for a collision if a driver operates a vehicle for business purposes.