Left Navigation Car Crash Stay 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. Do These 8 Things Immediately After a Collision Stop. Failure to do so may result in criminal prosecution.Remain calm. Call 911 or the police if:Someone is injuredYou think any other driver may be guilty of a Criminal Code offence, such as drunk drivingYou suspect you’re the victim of a staged collisionThere is significant property damage or the vehicle is not drivable.Report the collision to police, as required by regulations in your province.If it’s safe, move the vehicles to the side of the road. If the vehicles aren’t drivable, turn on the hazard lights or surround the vehicles with cones or warning triangles.Regardless of the circumstances, never admit fault for the collision, never sign any documents regarding fault and never promise to pay for the damages. Record all collision details. Use IBC’s Collision Report Form.Record what happened and how, and when, where and why it happened, as well as weather and road conditions.If possible, take cellphone photos of the vehicle damage.Collect names, addresses, licence plate numbers and insurance details of all drivers, passengers and witnesses.Be wary of tow truck operators who pressure you to authorize towing or repairs. You have the right to request estimates of fees in advance.What You Need to Do Within 48 to 72 Hours Report the collision to your insurer as soon as possible. If you are injured in the collision, you may be eligible for benefits. Submit claims forms as instructed by your insurance company.Don’t authorize repairs to your vehicle – other than those needed to prevent further damage – until your insurer inspects the damage or consents to the repairs. Your insurer will decide whether to repair or replace your vehicle or pay for the damage. Your insurance company may provide a list of preferred vehicle repair shops. Lock It or Lose ItA professional can steal your vehicle in just 30 seconds. A vehicle with an unlocked door or an open window is an easy target. Protect your vehicle from theft. Always roll up your vehicle's windows, lock the doors and pocket the keys when you park your car. Park in a well-lit area and never leave valuables in plain view.Take the Time, Report the CrimeInsurance crime can take many different forms. Recognize it. Report it.So You've Had an AccidentA convenient form to keep in your car to record the details of an accident. Just in case. Related ServicesClaims ProcessImmediately after a collision, contact your insurer to make a claim. Learn more about the claims process in your province.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. If you decide to have the repairs done at a repair shop that is not one of your insurer company’s “preferred shops,” you will be responsible for managing the repair.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. Useful LinksStaged CollisionA 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.Involved in an Accident? Here’s What to DoCollect names, addresses, licence plate numbers and insurance details as needed.