What to do if you’ve been in a motor vehicle accident
You’ve been in an accident. Now what?
Everyone who has a driver’s license should know what to do after a collision, but it doesn’t hurt to review the general steps to take at the scene.
You should also know what to do afterwards.
At the scene of the accident
- Stop and turn on your hazard lights
- Call 911 if anyone is seriously injured
- Ensure everyone at the scene is safe - don’t move anyone who is injured and don’t stand in front of or between vehicles. Only move your vehicle if it is safe to do so.
- Collect information:
> Other driver – name, address, telephone numbers, driver’s licence, insurance information, car information (make, model, year, VIN, plate number)
>Passengers – names, addresses, telephone numbers, e-mails
>Witnesses – names, addresses, telephone numbers, e-mail addresses
- Take photos:
> Accident scene and the location of the vehicles after the accident
> Damage to your vehicle and damage to the other driver’s vehicle
> Intersection from several angles if the accident occurred at an intersection
> License plate of the other vehicle (just in case)
> Have someone take photos of any visible injuries you sustained in the accident (cuts, scrapes, swelling, bruising)
- Report the accident to police if they didn’t attend at the scene
Right after the accident
If you sustained ANY injuries (even if you think they’re minor at the time), you should IMMEDIATELY:
2. Contact your insurance company to pursue your Section B (no fault) benefits claim
Your Section B insurer will send you Proof of Loss Forms (AB-1 and AB2) which both you and your doctor must complete and return. Do this right away because once the Section B insurer receives your completed forms, they will agree to pay from 10 to 21 treatments (up to $50,000) depending on your doctor’s assessment of your injuries. Treatments and benefits may include: chiropractic, physiotherapy, occupational therapy, massage, acupuncture, grief counselling, psychological services, housekeeping, and/or disability benefits.
If you were a passenger and sustained ANY injuries, all of the above advice applies to your situation, except that you must apply for any Section B benefits from the insurer of the motor vehicle in which you were a passenger.