What should I do after a motor vehicle accident in Ontario?
If you are involved in a motor vehicle accident in Ontario, here are the steps you should follow:
1. Ensure Safety: Check for Injuries: Assess yourself and others for any injuries. If anyone is injured, call 911 immediately. Move to Safety: If possible, move your vehicle to the side of the road to prevent further accidents and turn on your hazard lights.
2. Exchange Information:
Driver and Vehicle Details: Exchange names, addresses, phone numbers, driver’s license numbers, insurance information, and vehicle details (make, model, and license plate number) with all parties involved.
Witnesses: Collect names and contact information from any witnesses.
3. Document the Scene:
Take Photos: Use your phone to document the damage to all vehicles involved, the accident scene, and any relevant road conditions or signage.
Note Details: Record the time and date of the accident, weather conditions, and any other pertinent details.
4. Notify Authorities:
Police Report: Report the accident to the police if there are injuries, deaths, or damages exceeding $2,000. Call the police to the scene, or go to a Collision Reporting Centre within 24 hours if you can’t have an officer attend.
5. Contact Your Insurance Company:
Notify Promptly: Contact your insurance company as soon as possible to report the accident and provide them with the details you’ve collected.
Follow Instructions: Follow your insurer’s instructions for filing a claim and provide any additional information they request.
6. Seek Medical Attention:
Get Checked: Even if you feel fine, it’s essential to see a doctor after an accident. Some injuries may not be immediately apparent.
Document Injuries: Keep records of all medical evaluations, treatments, and expenses related to the accident.
7. Understand Your Insurance Coverage:
Review Policy: Understand what your insurance policy covers, including deductibles, coverage limits, and any exclusions that may apply to your situation.
Ask Questions: If you’re unsure about anything, ask your insurance representative for clarification.
8. Legal Considerations:
Legal Advice: Consider consulting with a personal injury lawyer, especially if there are injuries involved or if liability is disputed.
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Disclaimer: The explanations and information provided here are for general informational purposes only and are not intended to be legal advice. Always consult with a qualified lawyer or legal professional for advice specific to your situation.