Even a minor accident can be stressful and may lead to serious injuries. Whether it’s a fender-bender or a low-speed collision, knowing what to do next can make the process easier and ensure you’re following Ontario’s legal requirements.
At the Scene: Stay Safe and Gather Information
Start by checking for injuries. If it’s safe, move your vehicle to the side of the road and turn on your hazard lights to warn other drivers.
Next, exchange information with the other driver(s), including names, contact details, driver’s license numbers, and insurance information. If there are witnesses, gather their names and phone numbers too.
Provided it is safe to do so, take photos of the scene: vehicle damage, license plates, and the surrounding area, including road signs and weather conditions. Note the time, location, and any details that may be relevant later.
Reporting the Accident: Know When and Where
In Ontario, some accidents must be reported to the police right away. This includes any collision that involves:
- Injuries or fatalities
- Suspected criminal activity (such as impaired or dangerous driving)
- Damage to public property (e.g., guardrails, signs, hydro poles)
- Vehicles that are not drivable and require towing
If none of the above apply and the damage is estimated over $5,000, you’re legally required to report the incident to a Collision Reporting Centre (CRC) within 24 hours.
If police attend the scene, they’ll provide instructions or complete the report. If not, head to the nearest CRC with your driver’s license, vehicle registration, and insurance. The centre will document the accident and provide a report that you’ll need for your insurance claim.
If you feel you have suffered an injury, contact trusted Hamilton Personal Injury Lawyers to ensure you understand your rights and obligations.
Dealing With Insurance: Quick and Transparent Reporting
You should notify your insurance company as soon as possible. Provide all the information you collected, including the official report from the CRC.
An insurance adjuster will be assigned to review the damage and determine coverage.
Insurance adjusters often appear on your team, but may be putting the interests of their employer ahead of your own. This is why it always makes sense to contact a lawyer, especially if you have suffered injuries.
If Police Are Involved
If the police do come to the scene, stay calm and cooperative. The information you tell the police will serve as part of the file, and you may be questioned on it at a later date, such as an examination for discoveries when you are questioned by the defendant’s lawyer. It is important that you read everything carefully and consult with a lawyer afterwards.
At the Bernstein Law Group, we accept clients who are seriously injured in minor motor-vehicle accidents, and offer free consultations to discuss your case.
