Steps To Take If Involved In An Accident

If you are involved in an auto accident, take the following steps:

– Don’t leave the scene.

– Call for medical assistance if there are injuries.

– Call the police- The Ontario Highway Traffic Act was revised as of January 1, 1998 and accidents over $1,000 must be reported to the police. This is not per car ,but, for the entire accident and all vehicles involved.

– Drivers involved in a collision must now exchange drivers license numbers and pertinent insurance information in writing, as well as, license plate number and registered owner information.- Please consider this simple tip———-Keep paper and a pencil in the vehicle for this reason.

– All collision with personal injury must be reported to the police and insurance company immediately. Do not make statements to the other insurance company involved until you have talked to your own insurance company and adjuster.

– If the collision doesn’t involve personal injuries police may direct motorists to a Collision Reporting Center or local police station. Report to that Center and provide all necessary details and get a copy of the report for your records and your brokers records.

– Never pay cash for a claim -to the other person involved in the accident at the scene. Don’t pay cash to the tow truck driver without a receipt (you may be reimbursed by the insurance company)

– Look for witnesses. Record the names of any witnesses who saw what happened. These people are very important if your participation in the accident is questioned at a later date. Preferably look for people that are not in your car, but, were situated near the accident scene at the time and saw what happened.

Here is a checklist of items of information to record in the event of a accident:

– Policy number, insurance company and name of the person the policy is in with addresses and phone numbers of the vehicle owner.

– If the driver is not registered owner then get drivers name, address, drivers license and telephone number.

– Date and time of the accident.

– Location of accident.

– Year, make and model, color and license plate number.

– Number and name of passengers in each car with telephone numbers and home addresses.

– Name of responding police-fire-ambulance and report number.

– Road conditions: diagram of road, weather, traffic flow, signs, etc.

– Witness: get names, addresses, telephone numbers.

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