Do I have to report my car accident in Toronto?

If you're involved in a car accident in Toronto, there are specific circumstances under which reporting is mandatory. According to the Ontario Highway Traffic Act, you must report the accident to the police if:

  • There are injuries to any party involved.
  • The total property damage exceeds $2,000.

It's also crucial to notify your insurance company promptly, even if police involvement isn't required, as this facilitates the insurance claims process and ensures that you receive necessary coverage or support.

What to Do After a Car Accident.

1. Assess the Situation

  • Ensure everyone's safety first. Move vehicles out of traffic if possible and check for injuries. Call emergency services if medical attention is required.

2. Document Key Details
Record important information such as:

  • Date, time, and location of the accident.
  • Contact details of all involved parties, including witnesses.
  • Vehicle descriptions, including license plate numbers.
  • Photos of the scene, damages, and any visible injuries.

3. Notify Authorities or Insurance

  • If injuries or significant property damage occur, report the incident to the police. Visit a local Collision Reporting Center if required.
  • Contact your insurance company as soon as possible to begin your claim. Provide all documented details to streamline the process.

Thorough documentation not only ensures compliance with the Ontario Highway Traffic Act but also protects your interests during the insurance claims process. Taking these steps helps you handle the situation efficiently while safeguarding your rights.

Share