If you’ve ever been in an accident you know it can be a stressful and confusing situation. When you’ve made sure each person is safe from harm and that immediate injuries have been addressed you might not be sure what to do next. Do you call the police? Do you report the accident to your insurance provider? It might not be immediately clear what you should do. However, the Ministry of Transportation and the Ontario Automobile Policy require that certain steps be followed after an accident.
Do I have to report the accident to the police?
In the following cases you are required to report your accident to the police:
- If anyone sustains an injury or if there is a fatality.
- If there is more than one vehicle involved.
- If you damage private or public property.
- If the damage to your vehicle is $1000 or more.
The penalty for failing to report an accident to the police is a fine of $300-$1000, 3 demerit points, and a possible jail term and license suspension.
You are required to provide your name, address, license number, license plate number, insurance information, and the name and address of the registered owner of the vehicle to the police as well as any other person involved in the accident. You are also entitled to request this information from the other driver.
Do I have to inform my insurance broker?
All accidents are to be reported to your insurance provider.
When do I call my insurance broker?
As soon as possible!
Who decides whether my vehicle will be repaired or replaced?
Your insurance provider determines whether your vehicle will be repaired or replace. They make this decision by calculating your vehicle’s value and the estimated cost of repairs. If the cost to repair you vehicle is higher than its value your vehicle will be replaced. If you have questions about this process, speak with your broker. He or she can answer your questions about how this decision is made.