If you've had an accident, theft, or damage to your vehicle, this guide explains what to do next and how your coverage works.
A Collision Reporting Centre (CRC) is a dedicated police facility that helps motorists report collisions. See what to bring and what happens at the CRC.
In many Ontario municipalities (e.g., GTA, Halton, Peel), collisions with apparent total damage of $5,000 or more are reported at a CRC unless exceptions apply (see when to go). Police will attend the scene when there are injuries, suspected criminal activity (e.g., impairment, stolen vehicle), government vehicles, dangerous goods, uninsured/suspended drivers, or damage to public infrastructure (see details). Towed vehicles generally go directly to a CRC (towing & storage).
Note: Requirements can vary by municipality. If in doubt, call the non-emergency police line, or check CRC locations & hours.
In Ontario, insurers must assign responsibility using the Fault Determination Rules-standardized diagrams and scenarios used for most collisions. They're applied consistently (regardless of weather, road conditions, or point of impact) and can split fault between drivers.
View the official rules on e-Laws
Tip: Photos/video of vehicle positions, damage, road markings/signs, and witness contacts help your adjuster apply the rules quickly.
Want a plain-language overview first? See FSRA's consumer guide.
If purchased, this coverage helps pay for a rental car or other transportation while your vehicle is being repaired due to an insured loss.
Damage to your vehicle (e.g., a broken window) is typically handled under your auto policy. Personal items taken from the vehicle are usually covered under a home, condo, or tenant policy-often subject to that policy's deductible and limits.
You're free to choose your own repair facility provided costs are reasonable. Using an insurer-preferred shop can offer advantages:
Many insurers also have preferred auto glass providers. Ask your adjuster for the nearest options.
Not sure? Call our office first. We'll help you decide the best path before you proceed.
The cost of repairs is your responsibility until the insurer accepts liability and authorizes payment. For peace of mind, ask your adjuster to confirm approval in writing.
Have questions or need guidance right now? Call us at (905) 479-1100 or send a message. In an emergency, call 911.
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