Which bodyshops to Choose and Which to Avoid
Who and what to choose or avoid. You were involved in a car accident and you need to fix your car. Making a decision who to trust can be difficult.
Frequently Asked Questions About Car Accidents and Collision Reporting in Ontario
Note: The following answers are based on Ontario’s legal requirements and regulations. For specific guidance, always contact your local Collision Reporting Centre or law enforcement.
Reporting a Car Collision
Is there a time limit for reporting a car accident?
Yes. Under Ontario law, if the total damage to all vehicles exceeds $2,000, you must report the collision to the police or a collision reporting centre within 24 hours. Reporting immediately is recommended to avoid complications.
When should I report a car accident?
You are required to report an accident if:
- The total damage to vehicles or property exceeds $2,000.
- Someone is injured.
- The accident involves illegal activity (e.g., impaired driving, hit-and-run).
If the damage is below $2,000, reporting is not legally required, but you should still exchange information with the other driver for insurance purposes.
Information to Collect at the Scene
What details should I gather from the other driver?
At the accident scene, collect:
- Driver’s full name (directly from their license).
- Address and phone number.
- Insurance provider and policy number.
- Vehicle make, model, and license plate number.
Additionally:
- Take photos of vehicle damage, license plates, and the accident scene.
- Record the date, time, and location of the accident.
Where and How to Report an Accident
Can I report the accident at any collision reporting centre?
No. You must report the accident at a collision reporting centre in the same jurisdiction where the accident occurred. Other centres will not accept your report.
Should I wait for police or go directly to a reporting centre?
It depends on the situation:
Call 911 immediately if:
- Someone is injured.
- Criminal activity (e.g., impaired driving, hit-and-run) is involved.
- The accident involves hazardous materials or a public safety risk.
If there are no injuries or criminal activity:
- Take photos of the vehicles and accident scene.
- Call the local collision reporting centre to confirm their requirements.
- Drive or tow your vehicle to the nearest reporting centre if damages exceed $2,000.
Handling Difficult Situations
What if the other driver refuses to provide insurance details?
All drivers are legally required to exchange insurance information. If a driver refuses:
- Call the police for assistance.
- Note the license plate number and vehicle details.
- If the damage is under $2,000, police typically won’t file a report but can help retrieve the necessary details.
Can I still report an accident after agreeing to settle privately?
Yes. If the damage is under $2,000 and there are no injuries, police or collision reporting centres won’t file a report. However, you should:
- Have a signed agreement outlining the settlement terms.
- Keep copies of the driver’s license and insurance details.
To avoid complications, finalize settlements at the scene and document everything.
Can I report an accident online or by phone?
No. Ontario law does not allow accident reports to be filed online or by phone. You must:
- Call the police if needed.
- Visit a collision reporting centre in the same jurisdiction as the accident.
Location-Specific Information
Where is the collision reporting centre in Etobicoke?
The Etobicoke Collision Reporting Centre is closed. The nearest alternatives in Toronto are:
- 113 Toryork Drive (Finch & Weston area).
- 39 Howden Road (Lawrence & Birchmount area in Scarborough).
Hit-and-Run or Parking Lot Accidents
What should I do if the other driver leaves the scene before exchanging information?
A hit-and-run is a criminal offense. Take these steps:
- Call police immediately to report the incident.
- Look for witnesses or surveillance cameras in the area.
- Provide police with any details about the vehicle (make, model, color, license plate number).
How are accidents in parking lots handled?
Parking lot accidents are considered private property incidents. Rules include:
- If damages exceed $2,000, call police and file a report.
- If damages are under $2,000, exchange information with the other driver.
- If both vehicles were moving, fault may be shared 50/50.
- If only one vehicle was moving, that driver’s insurance typically covers the damage.
Other Common Concerns
Can I move my car after an accident?
Yes, if:
- No one is injured.
- No criminal activity (e.g., impaired driving, hit-and-run) is involved.
- You take photos of the scene and vehicle positions before moving.
If the total damage exceeds $2,000, notify the police and follow their instructions.
What if the driver involved isn’t listed on the insurance policy?
As long as the vehicle is insured, coverage applies unless:
- The driver was specifically excluded from the policy.
- The insurance provider restricted certain drivers from using the vehicle.
Check your insurance policy for specific restrictions.
Who determines fault in an accident?
Fault determination in Ontario follows official Fault Determination Rules:
- Police at the scene or reporting centre may issue charges.
- Insurance companies make the final fault decision based on reports, statements, and legal guidelines.
- Fault percentages impact your insurance premiums.
Need More Information?
For further assistance, contact:
• Your local collision reporting centre.
• Your insurance provider.
• The Ontario Ministry of Transportation.
Always document incidents thoroughly and follow Ontario’s collision reporting laws to avoid penalties or delays in resolving your claim.
