When an accident happen. Opening a Claim
	• Report your accident • Have facts in hand

Report the Accident to Your Broker, Agent, or Insurance Company

When you are involved in an accident involving injury or property damage, you need to report it to your agent, broker, or insurance company within seven days, regardless of who is at fault.

If you are unable to report it within seven days, report it as soon as possible after that. If you don’t report your accident within a reasonable amount of time, your insurance company may not have to honour your claim.

Have the Facts in Hand!

Your insurance agent, broker, or company representative will likely ask you to supply some basic information. To help speed things up, try to have the following information with you when you call:

• the name of the registered owner’s insurance company and his/her automobile insurance policy number,
• the make, model, year, registration, and licence plate number of the vehicle, and
• details regarding the accident, including:
  • the driver's name and driver's licence number (if someone other than the registered owner),
    
  • the date, time and location of the accident,
    
  • the number of passengers involved, if any,
    
  • the extent of damage to the vehicle,
    
  • your description of the accident,
    
  • the names and driver's licence numbers of the other drivers, as well as the names of their insurance companies and their automobile insurance policy numbers,
    
  • the licence plate and vehicle identification numbers of the other vehicles, and
    
  • the name and badge number of the investigating police officer, if the accident was reported to the police

You should refrain from any discussion of details such as who is at fault for the accident; the injuries or physical damages you may have sustained; the claims you're going to make; and any other matters. Keep it simple, direct and to the point!