A collision can make it difficult to decide what to do first. Work through the immediate safety needs, then gather the information needed for reporting, towing and your insurance claim.
1. Check for Immediate Danger
Call 911 if someone is injured or there is an immediate hazard. Follow emergency responders’ instructions. If it is safe and appropriate to move a driveable vehicle out of traffic, do so carefully and turn on the hazard lights.
2. Contact the Appropriate Police Service
Reporting requirements depend on the circumstances and jurisdiction. Ottawa Police currently directs drivers to report collisions with more than $5,000 in combined vehicle damage; other situations also require reporting. Consult its collision-reporting guidance or contact police for instructions. Do not rely on the damage threshold alone to decide whether to report.
3. Photograph the Scene Safely
If you can do so without entering traffic or another hazardous area, photograph damage, vehicle positions, signs and road conditions. Keep the original files.
4. Exchange the Required Details
Record the other driver’s name, contact information, licence details, vehicle registration and insurance information. Keep the discussion factual and avoid arguing about responsibility at the roadside.
5. Record Witness Information
Ask willing witnesses for their names and contact details. Their account may help explain what happened.
6. Notify Your Insurer
Contact your insurer promptly and follow its reporting instructions. Ask about towing, storage, repairs, transportation and any coverage or authorization requirements.
7. Arrange Appropriate Medical Attention
Seek medical help if you are injured or develop symptoms after the collision. Keep records of appointments and information supplied by your healthcare provider.
8. Write Down What You Remember
Record the time, location, direction of travel, weather and sequence of events while they are fresh. Include the report number and officer details if provided.
9. Review the Tow and Destination
If the vehicle needs a tow, review the service, charges, destination and authorization before it is moved, subject to police directions. Keep a copy of the paperwork and confirm where the vehicle will be stored.
10. Keep Your Records Together
Save photographs, reporting information, invoices, repair estimates and insurer correspondence in one place. Contact the storage location about vehicle access and the documents needed for collection.
Metro Towing and Recovery Group can help you arrange towing and recovery after a collision. Tell dispatch about your location, vehicle condition and any instructions from police.
