Reviewed by Daniel Mirkovic
Updated February 22, 2024
Car accidents are stressful at best, and often very traumatic. After you’ve been involved in an accident, it’s difficult to stay focused on what you’re supposed to be doing.
This guide walks through the steps you should take after a vehicle accident, including at the scene immediately afterward and over the following 24 hours.
The first moments after a car accident are stressful and often disorienting. For now, the most important thing is ensuring the safety of drivers, passengers, and pedestrians involved.
The first thing you need to do is determine whether anyone is injured. If anyone at the accident scene is hurt, call 9-1-1 immediately and follow the operator’s direction.
Even minor injuries may be more serious than they appear, so don’t hesitate to call emergency responders. Even if someone appears physically unhurt, they may have suffered a head injury. If anyone is feeling disoriented, dizzy, or shows similar symptoms of a head injury, call 9-1-1.
Don’t move anyone who is injured. Wait for emergency responders to arrive, and follow the directions given by the 9-1-1 operator.
If no one is injured, the next step is to make the accident scene as safe as possible.
If everyone’s safe and you’ve done your best to clear the road, get as much of the information below as possible.
While you’re documenting the accident, don’t waste energy discussing or arguing with others at the scene about whose fault it was. Certainly, don’t admit that it was your fault, even if you know it was.
For one, admitting fault (even accidentally or implicitly) can lead to issues down the road if the incident ends up in a courtroom. For two, each province has clear, comprehensive rules about fault determination in vehicle accidents. You can let legal authorities or insurance companies sort out the fault later — your job at this point is collecting information.
If no one has contacted 9-1-1 or the police, contact police under the following circumstances:
Some provinces have additional reporting requirements following a vehicle accident.
If the total damage to all vehicles appears to be greater than $2,000, you must visit a police station and file a collision report. Take note of the file number when you do. Repair shops aren’t permitted to start collision repairs unless the vehicle has a damage sticker indicating that it’s been reported.
If the total damage to all vehicles appears to be greater than $2,000, you must contact police from the accident scene. It’s best to err on the side of caution here; if you’re not sure whether the damage totals more than $2,000, contact police.
If the total damage is less than $2,000, you must report the accident to a collision reporting centre within 24 hours.
If there are no police present at the scene, you and the other involved drivers will need to complete a joint report.
As soon as you’re able following the accident, report the incident to your car insurance provider.
Square One customers can report claims online from their account or by calling 1.855.331.6933.
Your insurance provider will guide you through the post-accident process, including helping arrange for a tow truck if necessary. They will collect information about the accident, including police report numbers, witness contact information, photos, and other facts of the case.
Your adjuster will explain how your coverage works. They’ll inform you what’s covered and what’s not, any deductible you may need to pay, and whether you’re eligible for a temporary replacement vehicle. They’ll also help you find an auto shop and get the repair process started.
For more information on the car insurance claim process at Square One, visit this page.
Want to learn more? Visit our Car insurance resource centre for dozens of helpful articles to guide you through the complexities of car insurance. Or, get an online quote in under 5 minutes and find out how affordable personalized car insurance can be.
About the expert: Daniel Mirkovic
A co-founder of Square One with 25 years of experience in the insurance industry, Daniel was previously vice president of the insurance and travel divisions at the British Columbia Automobile Association. Daniel has a bachelor of commerce and a Master of Business Administration (MBA) from the Sauder School of Business at the University of British Columbia. He holds a Canadian Accredited Insurance Broker (CAIB) designation and a general insurance license level 3 in BC, Alberta, Saskatchewan, Manitoba and Ontario.
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