Crisis Management If you find yourself in a crisis situation, never admit liability. Stay Calm and Write Everything DownIn 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 StrikesA 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. 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. 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. 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. 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.Car 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. 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.