- If anyone is injured, call 911.
- In the case of a minor accident, there is no need to call the police. Simply fill out a Joint Report.
If you don’t have one, write down the other driver’s name, address and phone number, along with the driver’s licence, registration and insurance certificate numbers.
Steps to follow
1. Contact your insurer
Contact your insurer immediately to report the accident. An adjuster will then take over your claim and verify your contract’s validity as well as your chosen coverage. The adjuster will then determine your liability for the accident.
Are you 0%, 50% or 100% liable? A document called a Direct Compensation Agreement will be used to determine this.
Your liability for the accident, as well as your chosen coverage, determine whether or not you are covered for damage resulting from a collision.