When Am I Legally Obligated to Report a Crash?

driver reporting a car accident in ontarioCar accidents can be very stressful, and depending on the seriousness of the crash, can cause extensive injuries and damages or no significant harm at all. If you have been in a collision, you may be wondering when you should report it. Is there more than one party that needs to be notified?

Greg Monforton & Partners further discuss the legal requirements for reporting a crash in Ontario in order to protect your claim for compensation. Learn more about your rights during a complimentary consultation. You are not obligated after this initial meeting to hire our firm.

Requirements for Reporting a Crash in Ontario  

The requirements for reporting a crash is dependent on a number of factors, including the severity of the accident, the extent of injuries suffered, the amount of property damages sustained and more. In some instances, you may be required to notify the police, but it is only legally required in certain situations.

To help avoid any legal issues, it is important for Ontario drivers to know when and how to file a crash report when necessary.

When You Must File a Crash Report

In Ontario, a crash must be reported in any of the following situations:

  • Someone sustained an injury or died in the accident
  • The accident resulted in $2,000 or more in damage to all vehicles
  • The accident involved a government-owned vehicle
  • The accident resulted in damage to private or municipal property

The law also requires that you notify the police immediately if the accident involved a pedestrian, the other driver is uninsured, or if you suspect that anyone involved is guilty of a criminal act, such as driving under the influence of drugs or alcohol.

Why Even a Minor Crash Should Be Reported

Reporting a crash, even when it is minor, is important to establish proof that the accident happened. A police report could prove helpful as you seek compensation for your injuries and damages. These reports contain information that can be used to determine fault and negotiate a fair settlement.

Failing to report a crash could result in the other driver filing a police report or reporting the accident to his or her insurance company, which in turn could make you look guilty because you failed to act as soon as possible. You may be forced to pay for the other driver’s damages, even if you were not at fault.

Reporting to a Collision Reporting Centre

Not all crashes require a police report to be filed. If no one is injured and the total damages to all vehicles involved appears to be less than $2,000, you have 24 hours to report the accident to a Collision Reporting Centre (CRC).

These centres, located across the province, help to simplify the collision reporting process. Drivers can self-report the crash without guidance from a police officer. Damage to vehicles would also be photographed at a location nearest to you.

For instance, a crash can be reported to the CRC in Windsor (2696 Jefferson Blvd), if the accident occurred within the city limits and both vehicles are from the Essex County area.

It is important to note that any drivers involved are not required to come into a centre together. However, information that should be exchanged and collected before making an appearance include:

  • Contact details (name, address, phone number)
  • Driver’s licence number
  • Insurance information (company name and policy number)
  • Car details (make, model and licence plate number)

Do I Have to Notify the Insurance Company?

Yes, you should notify your insurance company of a crash, regardless of fault and the amount of damages sustained. There are several coverages to your insurance policy that you may want to use. To utilize any of these, you must reach out to your insurer and report any injuries or property damage.

For instance, if your car becomes totaled and you have gap insurance, you could use it to cover the difference between what you owe on your car loan and what your insurance company will help pay for the car. You may have extended liability insurance coverage to help cover medical bills, damage to your car and personal items, or protection in the event you are injured by an uninsured or hit-and-run driver.

Get Answers to Your Legal Questions Today

If you have been involved in a crash, you may be eligible to file a claim against the other driver to pursue compensation for your damages. At Greg Monforton & Partners, we know how to build a strong case for maximum compensation. Our lawyers have successfully recovered over $150 million for our clients.

A reputable Windsor car accident lawyer from our firm is here to answer any legal questions you may have after reviewing your situation. We charge nothing up front if we are hired to represent you and no fees unless we help obtain compensation for you.

Available 24/7, day or night. Call (866) 320-4770.