Resource G: Reporting an Accident

Once you have made sure that everyone is safe after an accident, you must do the following:

  • Write down details about the accident, including how it happened, the time, date and location, the speed of all cars and the road conditions;
  • Get the contact information (names, addresses, phone numbers) of the registered owners of all cars involved, other passengers and other witnesses;
  • Get insurance information from all drivers involved in the accident, including the driver’s licence and plate numbers, and the names of their insurance companies and brokers;
  • If possible, make a sketch of the accident scene noting the position and direction of the cars.

If you have been involved in a collision that may result in a claim, contact your insurance representative as soon as possible. You must notify your insurer as soon as possible (some policies specify within seven days) about any accident involving the automobile:

  • That must, by law, be reported to police; or
  • For which you intend to make a claim under the policy.

If you are making a claim against another driver, you should notify him or her as quickly as possible. It’s also a good idea to notify the other driver’s insurance company of the claim yourself; don’t assume that the other driver has done so.