Automobile Claim - What to Do

What to do after an automobile accident

The most important thing to do is to make sure everyone is okay. Life and health are more important than vehicle damage. If you are involved in a motor vehicle accident:


If your vehicle is involved in an accident and you don't stop, you may be subject to criminal prosecution.

Remain calm

  • Check for injuries
  • Do  not move injured persons

Be aware

  • Of your surroundings
  • Check for approaching vehicles
  • Take extra care

Police will attend collisions involving:

  • Injury or death
  • Criminal activity (impaired driving, stolen vehicle, assault)
  • Damage to private, municipal or highway property
  • Collisions where total damage to all vehicles combined appears to be more than $2,000.
    • If you are unsure, it is best to call

If it is safe, move your vehicle to the side of the road, out of traffic.

If your vehicle cannot be driven, turn on your hazard lights or use cones, warning triangles or flares, as appropriate.

Inspect damage

  • Inspect your car and make note of damages to all the vehicles involved
  • If you happen to have a camera or cell phone, take pictures. If not, take pictures of your vehicle when possible

Exchange information with other drivers.

  • Write down names, addresses, and license numbers of everyone involved including witnesses
  • Make notes about any special circumstances such as visibility, road conditions, or the weather
  • You can also access our Accident Reporting Form to gather the information you will need when involved in an accident
  • You may also use your cell phone to audio record as much information as possible.

Do not admit any fault for the accident.

Write your story down as soon as possible so small details are not forgotten.

Do not authorize repairs on your vehicle

Until you have spoken to a claims adjuster.

Report the accident to the police reporting centre

As soon as possible go to the police reporting centre. If your accident happened with London city limits, the police reporting centre is located at 1001 Brydges Street, London, Ontario.

Contact your agent or broker or our claims department at 519-666-0075 as soon as possible after the accident.


All injuries should be reported within seven (7) days from the date of the accident.


Keep all receipts related to any emergency expenses:

  • Ambulance,
  • Parking,
  • Prescription medication, etc., so you can submit them for reimbursement if you are deemed eligible to do so.