Claims Process f someone is injured in a collision, call police immediately so they can prepare an accident report. Your insurer’s appraiser will assess the damage to your vehicle and the cost for repairs. If no one is injured, the other driver and you can complete a joint report and contact your insurers to start the settlement process.Making a ClaimYour insurer will indemnify you within 60 days following receipt of your request and the supporting documents. For a timely settlement, ensure you have all of the relevant documents when you contact your insurer.Claim TipsIf your vehicle is damaged but repairable, your insurer may suggest that repairs be carried out by one of the insurance company’s preferred service centres. Ultimately the choice is yours, but your insurer will need to confirm that the repair work is satisfactory. If you wish to select your own shop, first confirm the amount that your insurer has allocated for the repair. The insurer will not pay more than the appraiser’s quoted price.If the damage is major and the vehicle cannot be repaired so that it’s safe to drive, or the cost of repairs is high relative to the value of the vehicle before it was damaged, the insurer may write off the vehicle, negotiate a settlement with you and keep the salvage. Your Automobile AppraiserYour automobile appraiser is the insurance representative assigned to look after your claim and determine how much damage or loss is covered. The appraiser determines which repair technique is suitable while respecting the standards and procedures defined by Groupement des assureurs automobiles (GAA).Bodily InjuriesIf you have been injured, you can claim compensation through the Société de l’assurance automobile du Québec. Learn more about the compensation process on their website.How to Document Your Auto Insurance ClaimIt’s important to record collision details and share them with your insurer. If you or the other driver have a copy of the joint report, complete it together. If you don't have a copy, write the following information on a piece of paper:How the collision happened and the time, date and locationThe speed of your vehicle and the road conditionsInsurance information for both vehicles (e.g., driver’s licences, plate numbers, proofs of insurance, insurance companies and policy numbers) and the registration certificate numbersContact information (e.g., name, address, phone number) of drivers, passengers and witnesses If safe to do so, take photos of the accident scene with your cellphone or sketch the scene. Note the positions of the vehicles. 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. 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.