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 HelpsBe it a relatively minor fender bender or a serious multi-car collision, your insurance company will support you in many ways such as: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.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. If you are injured, you may be entitled to benefits. Your insurer will provide the Statutory Accident Benefits, claim forms.Tips on Documenting Your ClaimTake 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 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 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.Auto Insurance Explained - OntarioAuto insurance is a complex product. It’s important to know your auto insurance policy. If you have a question about it, contact your insurance representative. 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. 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 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. Involved in an Accident? Here’s What to DoCollect names, addresses, licence plate numbers and insurance details as needed.