This information was created based on BrokerLink Insurance Collision Report Booklet; combined with the FSCO safety site and the Insurance Bureau of Canada

Special thanks goes to the following organizations who brought, had available and curated this information for you:
   

We respectfully ask that you read this information prior to an emergency and call your insurance agent/company before you need this advice/data to ensure you are getting the right information that pertains to your situation and policy coverage. Phoenix Business Exchange Inc. has not created any information below but has made this public information readily available to you on your phone, tablet, etc. through our communication system. We recommend that proper insurance information that pertains to you also be available in a hard copy form in your glove compartment or in your possession should an emergency occur that your insurance provider can give to you.

Keeping our members and our community informed!
WHAT TO DO AT THE SCENE OF A COLLISION
  1. Contact your Insurance Company representative as soon as it is safe to do so.
  2. Do not make any statements admitting you are at fault.
  3. Get full details & particulars from all other drivers, passengers and witnesses as to what they saw.
  4. If possible, take photos of the accident scene, skid marks, and all vehicles involved.

YOU MUST CALL THE POLICE IF:
  1. Anyone has been injured.
  2. If the total of all vehicles have more than $2,000 damage.
  3. If you feel you are being threatened or bullied by the any party during the accident scene.

DO NOT:
  1. Voluntarily assume liability.
  2. Promise to pay for damages at the scene of the accident.
  3. Accept money at the scene.
  4. Agree to forget about the accident.

WHAT TO DO RIGHT AFTER AN AUTO ACCIDENT (from FSCO site)
STEP 1   Stop. If your vehicle is involved in an accident and you don’t stop, you may be subject to criminal prosecution.
STEP 2   Call the police if anyone is injured, if the total damage to all the vehicles involved appears to be more than $2,000, or you suspect that any of the other drivers involved are guilty of a Criminal Code offence (such as driving under the influence of drugs or alcohol). Follow the instructions given to you by the emergency operator. Police will arrive as soon as possible. Do not try to move anyone injured in the accident — you may aggravate their injuries.
If no one is injured and total damage to all the vehicles involved appears to be less than $2,000, call a Collision Reporting Centre within 24 hours. These centres are police facilities created to assist motorists in reporting motor vehicle accidents. At the reporting centre you will complete a police report, and damage to the vehicle will be photographed. Visit: www.accsupport.com [New Window] or call (416) 745-3301 to locate the Collision Reporting Centre nearest to you.
STEP 3   If it is safe to do so, get out of your car. If you have access to a digital camera or a cell phone, you should use it to take pictures of the scene.
STEP 4   When 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.
STEP 5    Record information. Fill in the printable Accident Worksheet to help you remember what information is required. You can download the Accident Worksheet here [PDF Document]. You may also use your cell phone to audio record as much information as possible.
STEP 6 Call your insurance company as soon as possible after the accident. Inform them what happened and ask for next steps. For more information on filing an insurance claim with your insurance company, visit the After an Auto Accident: Understanding the Claims Process page.

AT THE SCENE OF THE ACCIDENT
  1. Stay calm. Take care of anyone injured.
  2. Do not make any statements admitting fault, sign statement regarding fault or offer to pay for any repairs.
  3. Switch on hazard lights, turn off ignition, secure vehicle. If necessary, place reflectors or flags on road in prominent and easy to see from a distance to divert the fast moving traffic about to approach the scene.
  4. If necessary, dial 911 if injuries are present or the scene becomes dangerous ie. spilled gasoline/fire.
  5. Make a note or take a picture of the licence plates of the vehicles involved in case one vehicle decides to leave the scene for any reason.
  6. Move your vehicle and passengers away from traffic when the area is safe – unless someone is injured or you suspect a drunk driver.
  7. Be watchful for unauthorized tow truck operators. To learn more about tow truck scams, visit FSCO’s  Tips For Avoiding Tow Truck and Storage Scams.
  8. Do not argue with other drivers and passengers. Save your story for the police.
  9. Gather information from everyone involved in the accident (obtain all contact details).
  10. Call your insurance company and insurance advisor. (In Ontario, report to the Collision Reporting Centre).
  11. Tip #1: It is highly recommended that on your phone or in your glove compartment you have a contact number for a reputable tow truck company.
  12. Tip #2: Use extreme caution in poor visibility conditions such as fog, heavy snow, rain, black ice conditions, etc. to ensure on coming cars will see you as they will not see the accident until it is too late and further accidents and injuries may result.

ASSESS DAMAGE
If damage exceeds $1,000 on either vehicle or if there are injuries call police. In Ontario report the collision to the Collision Reporting Centre.
  1. List the description of your vehicle’s damage. Include photos of the damage if possible.
  2. List the description of the other vehicle’s damage. Include photos of the damage if possible.
  3. List the details of any other property damage. Include photos of the damage if possible.

COLLISION DETAILS
  1. Date & Time of accident.
  2. Location including intersection descriptions.
  3. Weather Conditions & Visibility including direction of the sun for cases where direct sunlight was too bright to see clearly.
  4. Road & Traffic Conditions including volume of pedestrians potentially crossing the road.
  5. Direction you were travelling when collision occurred.  North, South, East or West?
  6. Speed at which you were travelling at the time.
  7. What street were you on at the time.
  8. Direction of the other vehicle prior to collision.  North, South, East or West?
  9. Which vehicle entered the intersection first?
  10. Length of skid marks (for each vehicle).
  11. Who was driving the other vehicle? For those cases where drivers would switch in case of a suspended licence or drunk driver.

OTHER DRIVER & VEHICLE
  1. Ask to see driver’s licence, vehicle registration and insurance information
  2. Driver’s Name.
  3. Driver’s licence number with Province ID.
  4. Driver’s Address & Phone Number.
  5. VIN # of the Vehicle.
  6. Licence Plate Number.
  7. Vehicle Make & Model, Year and Colour.
  8. Driver’s Insurance Company & Policy Number.
  9. Names of all passengers with their addresses and phone number (if any).
  10. Name of the Owner of Vehicle if different than the driver with their address and phone number.
  11. Tip #1: If you have a phone on your possession take a picture of the other car’s driver’s licence, ownership and pink insurance slip. This will ensure you have captured all driver and vehicle information for future reference.

WITNESS DETAILS
  1. Witness(es) in the other vehicle(s) with their Address, Phone number and Licence plate.
  2. Witness(es) as bystanders with their Address and Phone number.
  3. Injured Person(s) with their Address, Phone number and evidence of injury.

POLICE DETAILS
  1. Officer’s Name.
  2. Detachment & Badge Number.
  3. File Number.
  4. Collision Reporting Details (Ontario only).
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BE PREPARED FOR ANY EMERGENCY ON THE ROAD
Always keep a basic vehicle first aid or emergency kit in the trunk of your vehicle. You can easily create an emergency kit for your vehicle by filling a plastic storage container with the following suggested items:
  1. pen and paper;
  2. FSCO’s Accident Worksheet. Download it here [PDF Document];
  3. a basic first aid kit;
  4. emergency road flares, warning triangles or cones;
  5. a fire extinguisher (A-B-C Type);
  6. a flashlight and extra batteries;
  7. extra charging cables for phone;
  8. bottled water;
  9. booster cables;
  10. a tire repair kit and pump/compressor;
  11. a small tool kit;
  12. a towel;
  13. a pair of work gloves;
  14. some type of non-perishable food;
  15. hand wipes;
  16. a thermal blanket;
  17. winter wear ie. extra coat, hat, gloves, etc.
  18. a bottle of gas line antifreeze;
  19. a jug of windshield washer fluid;
  20. a bag of road salt;
  21. traction bars;
  22. a snow shovel;
  23. a windshield scraper/brush

 

REPORTING FRAUD
If you suspect that you may be a victim or target of a scam or fraud, you can help put an end to the scam or fraud by reporting it.
  • Call your local police and your insurance company to inform them and ask for next steps
  • You can also submit an anonymous tip to Crime Stoppers [New Window] (1-800-222-TIPS).
  • You may also file a report to FSCO’s Auto Insurance Fraud Hotline or call 1-855-5TIP-NOW.
If you want legal advice, the Law Society of Upper Canada [New Window] has services to help you find a legal professional.
There are a number of other organizations that you can contact for help.

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