Claims Process

​​Immediately after a collision, contact your insurance company as soon as possible to report the incident. An adjuster will be assigned to provide you with expert guidance throughout the claims process.

How Your Insurer Helps

Be it a relatively minor fender bender or a serious multi-car collision, your insurance company will support you in many ways such as:

  1. If your vehicle is damaged and repairable, your insurer may suggest repairs be carried out by their preferred shop. They will also confirm the quality of the work.
  2. In the case that damage is major and cannot be repaired safely, or the cost of repairs is more than the value of your car before it was damaged, your insurer may write off your vehicle and provide you with a settlement.
  3. If you are injured, you may be entitled to benefits. Your insurer will provide the Statutory Accident Benefits, claim forms.

Tips on Documenting Your Claim

Take photos with your cellphone or sketch the scene of the collision. Be sure to note the positions of the vehicles. It’s important to record all collision details and share with your adjuster:

  • How it happened, the time, date and location
  • The speed of your vehicle and the road conditions
  • Insurance 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.