A car accident involving personal injury or property damage must be reported to your agent, broker, or insurance company within seven days, regardless of who is at fault. If you are unable to report it within seven days, report it as soon as possible after that. If you don’t report your accident within a reasonable amount of time, your insurance company may not honour your claim.
If you are involved in a car accident, you are responsible for protecting your vehicle from further loss or damage. The insurer, however, will pay for the damage if you have purchased Collision or All Perils coverage. You must not order repairs, other than those needed for protection of the vehicle from further loss or damage, until the insurer has consented or has had a reasonable amount of time to inspect the damage.
You cannot simply abandon a wrecked vehicle to the insurer without the insurer’s consent. However, when your insurer has replaced or paid for a wrecked vehicle, the wreck or whatever is left of it (salvage) belongs to the insurer.
You must not voluntarily assume liability (responsibility) for any collision or settle any claim, except at your own cost.
It’s a good idea to sit down and thoroughly read your insurance policy. It provides specific details about your insurance coverage, your rights and your responsibilities under the contract. If you do not have a copy of the insurance policy, ask your insurance agent, broker, or claims adjuster for a copy, or visit FSCO’s Automobile Insurance website at: www.autoinsurance.gov.on.ca to download a copy. The claims process will be easier to understand if you know the details of your coverage and your responsibilities.
Please note that JudgeTheCase specializes in assisting our clients with the insurance claim process pertaining to injuries sustained as a result of a car accident. After your initial report of your car accident, it is strongly advised that you let a professional handle the rest of the claim process.
After you have reported the car accident and damages to personal property, if you are injured, you are also required to report your injuries to the insurer. Most of the correspondence which takes place between your insurance company and the legal representative you have retained via OCF forms. These forms contain the necessary information and are regulated by the FSCO.
The are some initial forms which must be sent out to you insurer in order to start the insurance claim related to your injuries. By law, however, your insurance company must provide you with these forms, and you have 30 days to complete them after you have received them. If you have a car accident lawyer Toronto, he or she will aid you with filling out these forms correctly and send them on your behalf.