You're in an accident and there are injuries. In this case, call 911 and ask for an ambulance and the police. And above all, stay calm.

Dealing with a fender bender

You're in an accident and there are no injuries. You don't need to have the police come for a minor fender bender. Fill out the Joint Report with the other driver. Even if the police do come for a fender bender, they're not the ones that establish the liability of each driver. It's your insurer that does when the claim is settled.

Don't have access to the Joint report app on your phone nor have a hard copy of the Joint Report handy? Don't panic! Write down the contact information for the other driver on a piece of paper: name, address, telephone number, driver's licence number, registration certificate and proof of insurance.

The claims settlement steps 

Call your insurer or broker as soon as possible. A claims adjuster will be allocated to your file.

The usual claim settlements steps for an insurer are:

1. Verifying the validity of your auto insurance policy and the coverage included

2. Establishing your liability in the accident

3. Appraising the damages  to the vehicle

4. Repairing or replacing the vehicle

Details on claim settlements for car accident can be found on the gaa.qc.ca.

Your insurer will indemnify you within 60 days following receipt of your request and the supporting documents. For a speedy claims settlement, make sure you have all the relevant documents handy.

Where to fix your damaged vehicle

You can have the repairs made at any garage you deem fit. Just give your insurer the garage’s name and contact information. But first make sure your insurer has authorized the repairs!