Being in a car accident is stressful and overwhelming. Even the calmest drivers may panic and forget what to do next. The best way to protect yourself is to know the steps ahead of time.
Here’s a car accident checklist you can follow. Save it on your phone or download our PDF version to keep handy in your glovebox.
Car Accident Checklist
1. Stop your car and get to safety.
Pull over to the side of the road if possible. If it’s unsafe to stay inside your vehicle, move to a secure spot away from traffic.
2. Stay at the scene.
Leaving the scene of an accident is a criminal offence in Ontario. Always remain until everything is properly reported.
3. Check for injuries.
Examine yourself and your passengers. Do not move anyone who is injured, as it could worsen their condition.
4. Call the police when required.
Dial 911 if:
- Someone is injured
- The total damage to vehicles looks over $2,000
- You suspect impaired or dangerous driving
When in doubt, it’s always safer to call.
5. Go to a Collision Reporting Centre (if applicable).
If nobody is injured and damages appear under $2,000, you must report the accident at a Collision Reporting Centre. [Find a location here].
6. Exchange information.
Stay calm and collect:
- Full name & driver’s license
- Contact information
- Insurance details
7. Document everything.
Take photos of:
- Vehicle damage
- Accident location
- Injuries
- License and insurance information
Also record witness details and the police officer’s badge number, if applicable.
8. Beware of tow truck scams.
Only accept towing services from reputable providers like CAA or your roadside assistance program.
9. Notify your insurance broker or insurer.
Call your broker or insurance company as soon as possible. Provide them with all the details and documentation.
👉 Tip: Even if you’re not making a claim, it’s a good idea to report the accident to your insurer.
10. Fault determination.
Your insurance company will assess fault using accident details and reports.
- If you’re at fault: You pay your deductible ($500–$1,000), your record is impacted, and premiums may rise.
- If not at fault: Your deductible is waived, and your insurer covers damages.
Bonus Tip: Always Carry an Emergency Road Kit
Keep essentials like a first-aid kit, booster cables, blanket, water, flashlight, and road flares in your vehicle. It can make a huge difference if you’re stranded or waiting for help.
Final Thoughts
Knowing what to do after a car accident can turn a stressful situation into a manageable one. Drive safely, stay prepared, and let your insurance broker guide you through the process.
📞 Need to report an accident? Find your insurer’s emergency contact numbers here