What should you do if you're in a car accident? Do you always need to call the police and create
a monster traffic jam during rush hour? You might be surprised to know that you don't always have
to call the police.
Has someone been injured? Call the competent authorities
You're in a car accident and there are injuries. In this case, call 911 and ask for an ambulance
and the police. And above all, stay calm.
Dealing with a fender bender
You're in a car accident and there are no injuries. You don't need to have the police come for a
minor fender bender. Take out the Joint Report from your glove compartment and fill it out with
the other driver.
Even if the police do come for a fender bender, they're not the ones that establish the liability
of each driver. It's your insurer that does when the claim is settled.
Don't have a copy of the Joint Report handy?
Don't panic! Write down the contact information for the other driver on a piece of paper: name, address,
telephone number, driver's licence number, registration certificate and proof of insurance.
the five-step process in case
Your insurer will indemnify you within 60 days following receipt of your request and the supporting documents.
For a speedy claims settlement, make sure you have all the relevant documents handy.
Garage recommended by your insurer
You don't have to handle the payment. Your insurer will issue the cheque directly to the garage.
Your insurer will issue a cheque in your name and that of the garage. You must endorse it and remit it to the
garage once you're satisfied the repairs have been made.
Short-term rental of a vehicle (Endorsement 20).
This coverage allows you to rent a vehicle for a specified period of time, should you lose the use of your vehicle
following an accident.