What To Do After an Accident

Car accidents are both stressful and unexpected, and even the most careful drivers may be involved. Here’s what you should do immediately after a car crash:

Step one

If anyone’s injured, call 911 right away.
Move the cars off of the road – but only if it’s safe to do so.
Avoid discussing who is at fault for the crash.

Step two

Get details. Take pictures with a cellphone or camera if you have one handy. Record the following information for all vehicles and drivers involved in the crash:

  • Driver’s name, driver license number, phone numbers and address.
  • Licence plate number as well as the year, make and model of the vehicle.
  • Insurance company name and policy number.

Step three

  • See if there were any witnesses.
  • Make sure to record their names and contact information.

Step four

If the combined damage to all vehicles involved appears to exceed $2,000, it is mandatory to report the accident to a police station at your earliest convenience. While the accident is fresh in your mind, make sure to write down details of the crash scene (if possible, take photos or draw a diagram):

  • What was the time, date and weather conditions?
  • What was the exact location of the crash?
  • What direction were you both travelling?
  • Where was your vehicle and what lane were you using?
  • Where was the other vehicle?

Step five – report your claim

If you’ve experienced damage to your automobile, home or property, we understand that things can be stressful.

To report a non-emergency claim using our online form, click the button below:


You can also contact your broker during business hours to report your claim.

If you are calling after-hours and it is a claims emergency, please see our 24/7 emergency claims phone numbers.

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