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 injured
- You think any other driver may be guilty of a Criminal Code offence, such as drunk driving
- You suspect you’re the victim of a staged collision
- There 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.