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How and When to file an accident report
Learn when and how to report a car accident in Canada to protect your insurance claim. After a collision, time is critical. Failing to notify your insurer promptly can risk your payout. This guide outlines the key steps and details you need to report an accident correctly, including what documents to have ready and who to contact. Whether it’s a minor fender bender or a serious crash, knowing your reporting duties helps you stay protected.
A.J
5/12/20251 min read
Following an accident, you must file a report with your broker, agent or insurance company within seven days, or as quickly as possible after that. Failing to report within a reasonable amount of time may result in your insurance company not honouring your claim.
You will need to provide the following when making your report:
Your policy number
Make, model, year, registration and licence plate number of the vehicle
Accident details: driver’s name and licence number if the driver was not the registered owner
Date, time and location of the accident
Extent of any injuries
Number of passengers involved
Extent of damage to the vehicle
Your description of the accident
Names and driver’s licence numbers of all drivers involved
Names of insurance companies, and auto insurance policies of all drivers involved
The name and badge number of the investigating officer – if the accident was reported to police
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Claimel is a Canadian consulting firm specializing in car insurance settlements.
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