{"id":6097,"date":"2024-07-19T05:01:18","date_gmt":"2024-07-19T05:01:18","guid":{"rendered":"https:\/\/youset.ca\/?p=6097"},"modified":"2026-03-16T12:10:42","modified_gmt":"2026-03-16T12:10:42","slug":"what-to-do-after-a-minor-car-accident-ontario","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/","title":{"rendered":"What To Do After a Minor Car Accident in Ontario"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you find yourself here, reading this, it likely means you&#8217;ve recently been involved in a minor car accident.<\/span> <span style=\"font-weight: 400;\">While this can be a distressing situation, especially if you\u2019ve never experienced it before, this article should help.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">You\u2019ll not only find step-by-step instructions on what to do after a minor car accident in Ontario, but answers to several important questions as well, so that you have the information you need to handle this unfortunate situation effectively.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_564a0bfd7c472737d01c4a26c6188715\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">Here are the steps to follow if you\u2019ve been in a minor car accident in Ontario:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Check for injuries<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Check your surroundings<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Pull off to the side of the road, if possible<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Assess the damage<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Call the police, if necessary<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Exchange information<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Talk to witnesses<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Document the scene<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Visit a collision reporting center, if necessary<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Call your insurance company<\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-do-after-a-minor-car-accident-in-ontario\">What to do after a minor car accident in Ontario<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In the immediate aftermath of an accident, your primary objective is to prioritize everyone\u2019s safety, gather the necessary information, and promptly notify the relevant parties, including your <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance-guide\/\"><span style=\"font-weight: 400;\">car insurance company<\/span><\/a><span style=\"font-weight: 400;\">. To help you do that, here\u2019s what to do after a minor car accident in Ontario:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#one\"><span style=\"font-weight: 400;\">Check for injuries<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#two\"><span style=\"font-weight: 400;\">Check your surroundings<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#three\"><span style=\"font-weight: 400;\">Pull off to the side of the road, if possible<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#four\"><span style=\"font-weight: 400;\">Assess the damage<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#five\"><span style=\"font-weight: 400;\">Call the police, if necessary<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#six\"><span style=\"font-weight: 400;\">Exchange information<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#seven\"><span style=\"font-weight: 400;\">Talk to witnesses<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#eight\"><span style=\"font-weight: 400;\">Document the scene<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#nine\"><span style=\"font-weight: 400;\">Visit a collision reporting center, if necessary<\/span><\/a><\/li>\n\n\n\n<li><a href=\"#ten\"><span style=\"font-weight: 400;\">Call your insurance company<\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-1-check-for-injuries\"><a id=\"one\"><\/a> Step 1: Check for injuries<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">First things first, prioritize your safety by checking yourself for injuries. If you\u2019re unharmed, proceed to your passengers, if you have any. From there, check on the other involved driver(s), their passengers, and any witnesses to the incident, verifying if they require medical attention.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-2-check-your-surroundings\"><a id=\"two\"><\/a> Step 2: Check your surroundings<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Next, carefully assess your surroundings for any potential hazards or dangers, such as leaking fluids, live wires, or oncoming traffic. If any are present, take precautions so no further accidents or injuries occur.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-3-pull-to-the-side-of-the-road-if-possible\"><a id=\"three\"><\/a> Step 3: Pull to the side of the road, if possible<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If your surroundings are clear, move the vehicles to the side of the road. If it\u2019s not possible, turn on your hazard lights, turn off your car, and place cones or warning triangles around the vehicle. Failure to do so may result in criminal prosecution, so be careful!&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-quickly-assess-the-damage\"><a id=\"four\"><\/a> Step 4: Quickly assess the damage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Before you exit your vehicle to assess the damage, pause and take a deep breath. You want to stay calm and composed throughout this process as it will help you handle the situation better and make sound decisions. From there, ask yourself the following types of questions:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Are there any visible signs of damage to the vehicle?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Has any part of the vehicle been compromised structurally?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Are there any leaks or potential safety hazards?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Are the essential components functioning properly? (ex. Steering, brakes, seat belts, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Have any safety features, like airbags, been deployed?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Is the vehicle safe to drive in its current condition?&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">What do you think it will cost to repair your vehicle? A lot (ex. more than $2,000)? Less (ex. less than $2,000)?<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-5-call-the-police-if-necessary\"><a id=\"five\"><\/a> Step 5: Call the police, if necessary<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If someone has been injured or you\u2019ve determined that extensive property damage has occurred, then it\u2019s time to call the police. If you suspect that intoxication or reckless driving contributed to the accident, it\u2019s that much more important to bring in law enforcement at this point.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-6-exchange-information\"><a id=\"six\"><\/a> Step 6: Exchange information<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\">Filing a car insurance claim<\/a> will be easier if you collect all the necessary information at this stage, so take your time exchanging the following details with the other driver(s).&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Name, license numbers, and address of the driver(s) involved<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Name and address of each car owner, as shown on their vehicle registration certificate (the card or document that says who is the owner of the car)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Make, model, and license plate number of the car(s) involved<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Car insurance policy number and name of insurance company<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-7-talk-to-witnesses\"><a id=\"seven\"><\/a> Step 7: Talk to witnesses<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If there are any witnesses to the accident, ask politely for their contact information, including names and phone numbers. Their statements may be valuable for insurance claims or legal proceedings.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-8-document-the-scene\"><a id=\"eight\"><\/a> Step 8: Document the scene<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Now\u2019s a good time to document the scene, so long as it&#8217;s safe to do so. Take note of the time, location, and road conditions. Then, grab your phone and take pictures of the vehicles involved in the accident, any damages, and the surrounding area, such as skid marks, debris, and the overall layout of the scene.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-9-visit-a-collision-reporting-center-if-necessary\"><a id=\"nine\"><\/a> Step 9: Visit a collision reporting center, if necessary<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you&#8217;ve assessed that police assistance isn&#8217;t necessary and your vehicle is still safe to drive, proceed to the nearest collision reporting center to file an accident report as soon as possible.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-10-call-your-insurance-company\"><a id=\"ten\"><\/a> Step 10: Call your insurance company<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Although you have seven days to call your insurance company after an accident in Ontario, you should call it in as soon as possible while the details are still fresh in your mind.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_3218766e14a2e870a3f7d5009b9c77bf\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-you-have-to-report-a-minor-car-accident-to-the-police-in-ontario\">Do you have to report a minor car accident to the police in Ontario?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Yes, car accidents that happen in Ontario must be reported, whether you report it to the police or a collision reporting center, though it depends on the nature and severity of the accident.\u00a0<\/span> <span style=\"font-weight: 400;\">Section 14 of <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/90h08#BK329\"><span style=\"font-weight: 400;\">The Highway Traffic Act<\/span><\/a> <span style=\"font-weight: 400;\"> (HTA) states that if you are in control of a motor vehicle and are in an accident, you must report it to a police officer if:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">It causes a personal injury, or;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">It causes significant property damage, or;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Any door of your vehicle makes contact with a cyclist, bicycle, or vehicle, regardless of whether it&#8217;s in motion or stationary<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">For minor accidents that do not meet these criteria, you will still need to report it, you will just do so at a <\/span><a href=\"https:\/\/accsupport.com\/locations\/\"><span style=\"font-weight: 400;\">collision reporting center<\/span><\/a> <span style=\"font-weight: 400;\"> after the accident instead. As such, it&#8217;s a smart idea to familiarize yourself with the location of the collision reporting center near you.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.tps.ca\/services\/collision-reporting\/\">Toronto Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.peelpolice.ca\/en\/report-it\/collision-reporting-centres.aspx\">Peel Region Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.yrp.ca\/en\/online-reporting\/report-a-motor-vehicle-collision.asp\">York Region Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ottawapolice.ca\/en\/reports-and-requests\/collision-reporting.aspx\">Ottawa Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.haltonpolice.ca\/en\/services-and-reporting\/report-a-collision.aspx#If-your-collision-does-not-involve-the-above-\">Halton Region Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/hamiltonpolice.on.ca\/road-safety\/accident-reporting\">Hamilton Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.niagarapolice.ca\/en\/what-we-do\/collisionreportingcenter.aspx\">Niagara Regional Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.wrps.on.ca\/en\/services-reporting\/collision-reporting.aspx\">Waterloo Regional Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.guelphpolice.ca\/en\/reporting\/collision-reporting.aspx\">Guelph Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.londonpolice.ca\/en\/services\/Collision-Reporting.aspx\">London Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.windsorpolice.ca\/services\/reporting\/Collision-Reporting-Centre\">Windsor Police<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.gsps.ca\/en\/reporting\/collision-reporting-centre.aspx\">Sudbury Police<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-do-you-have-to-report-an-accident-to-insurance-in-ontario\">How long do you have to report an accident to insurance in Ontario?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">You have <strong>one week to report an accident to your insurance company or broker<\/strong> after a car accident in Ontario, according to the <\/span><a href=\"https:\/\/www.fsrao.ca\/after-accident-understanding-claims-process\"><span style=\"font-weight: 400;\">Financial Services Regulatory Authority of Ontario<\/span><\/a> <span style=\"font-weight: 400;\"> (FSRA). However, the sooner the better, as delaying reporting the accident could potentially lead to complications or delays in receiving assistance or compensation.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-a-minor-accident-affect-insurance-in-ontario\">Does a minor accident affect insurance in Ontario?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Yes, even a <a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-ontario\/\">minor accident can affect the <\/a> cost of your car insurancein Ontario. As per <\/span><a href=\"https:\/\/www.fsrao.ca\/after-accident-understanding-claims-process\"><span style=\"font-weight: 400;\">the FSRA<\/span><\/a><span style=\"font-weight: 400;\">, \u201cIf you are found to be 50% or more at fault, there is a good chance your premium will go up the next time you renew your policy.\u201d Granted, the extent to which it affects your insurance will depend on everything from who is at fault to the severity of the accident and your insurance company&#8217;s policies.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">However, one thing is almost certain to raise your premiums &#8211; failing to report the accident. This can lead to a range of complications for you. If convicted, you may incur fines, license suspension, or <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/regulation\/940339\"><span style=\"font-weight: 400;\">demerit point deductions <\/span><\/a> <span style=\"font-weight: 400;\">under The Highway Traffic Act. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Meanwhile, your insurance company may see it as <\/span><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/working-your-broker-agent-or-insurance-company\"><span style=\"font-weight: 400;\">non-disclosure or misrepresentation<\/span><\/a><span style=\"font-weight: 400;\">, meaning they have grounds to deny your claim, raise your rates, or potentially cancel your policy altogether. So, always report an accident if you\u2019ve been in one.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you find yourself here, reading this, it likely means you&#8217;ve recently been involved in a minor car accident. While this can be a distressing situation, especially if you\u2019ve never experienced it before, this article should help. You\u2019ll not only find step-by-step instructions on what to do after a minor&#8230;<\/p>\n","protected":false},"author":11,"featured_media":6098,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-6097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What To Do After a Minor Car Accident in Ontario - YouSet<\/title>\n<meta name=\"description\" content=\"Not sure what to do after a minor car accident in Ontario? 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