Even minor car accidents can be stressful—especially when they happen on busy streets in Mississauga or Toronto. As a local insurance broker, I often get asked, “What should I do right after a small car accident?” To help, here’s a clear, step-by-step Ontario guide to follow if you ever find yourself in this situation.
Step 1: Check for Safety First
Safety comes before anything. Pull over to a safe spot if possible, turn on your hazard lights, and check for injuries. If anyone is hurt, call 911 immediately. Even in small collisions, adrenaline can mask pain—so it’s always safer to get checked.
Step 2: Exchange Information
Note down essential details: driver’s license, phone number, license plate, and insurance policy number. In Ontario, it’s the law to exchange this information, even for minor collisions.
If you’re in Mississauga, reporting is usually done through the Peel Police Collison Reporting Centre, while in Toronto, you’ll go to a Toronto Police Collision Reporting Centre. Collisions involving injuries, damages over $2,000, or suspected impaired driving must be reported to police right away.
Step 3: Document Everything
Use your phone to take photos of both vehicles, license plates, the scene, and any visible damages. Write down what happened while it’s fresh in your mind. This documentation will be crucial when working with your insurance broker to file a claim.
Step 4: Report the Incident
You must contact your insurance provider or broker as soon as possible—ideally within 24 hours. Your broker can guide you on whether to file a claim, help you understand your deductible, and ensure you don’t risk claim penalties unnecessarily.
As a Mississauga insurance broker, I often help clients evaluate whether a claim makes sense financially. Sometimes covering the repair privately can protect your driving record from affecting future premiums.
Step 5: Get Your Vehicle Assessed
Once the claim is filed, your insurer may recommend a trusted repair shop in Mississauga or Toronto for an assessment. Always request a written estimate before authorizing any repairs.
Frequently Asked Questions
1. Do I have to report a minor accident in Ontario?
Yes, if the damage exceeds $2,000 combined or involves injuries, police reporting is required.
2. Will my insurance go up after a fender-bender?
It depends on fault determination. Your broker can advise if your premiums may be affected.
3. What if the other driver doesn’t have insurance?
Ontario’s uninsured motorist coverage can protect you—check your policy or speak with your broker.
4. How long do I have to file a claim?
Typically, within seven days of the incident, but reporting sooner is always better.