What to Do If You're in a Car Accident in Canada (Step-by-Step)

Thinking about being in a car accident can be scary but knowing exactly what to do can help you stay calm and protected. Whether it's a minor fender bender or a major collision, here's a comprehensive guide on what to do if you're in an accident in Canada.

1. Stop Immediately

It's illegal to leave the scene of an accident in Canada, even a small one. Pull over safely and turn on your hazard lights.

2. Check for Injuries

• Are you or anyone else in the vehicle hurt?

• Call 911 immediately if there are injuries or if the accident is serious.

Even minor injuries should be reported as some symptoms can show up later.

3. Stay Calm and Don't Admit Fault

Keep your cool and avoid arguing or admitting fault at the scene. Let the insurance companies and police sort that out.

4. Document Everything

Use your phone to take clear photos of:

• Damage to all vehicles

• License plates

• Driver's license + insurance slip of the other driver

• Street signs or intersection

If there are witnesses, get their contact info too as it may be helpful later.

5. Exchange Info with the Other Driver

Swap:

• Name + phone number

• Driver's license number

• License plate

• Insurance company + policy number

6. Call the Police (If Needed)

In Ontario and most provinces, you must report the accident to police if:

• There's over $2,000 in damage

• Someone is injured

• A criminal offence (e.g., impaired driving) is suspected

If police don't come to the scene, you may need to visit a Collision Reporting Centre within 24 hours.

7. Report to Your Insurance Company

Call your insurance provider as soon as possible, ideally the same day. Provide:

• All photos + documents

• Police report (if applicable)

• Details of what happened

8. Follow Up

Keep a copy of:

• The accident report

• Any repair estimates

• Insurance claim details

Stay in touch with your insurance adjuster and ask questions if anything's unclear.

Conclusion:
Being involved in a car accident is never easy. But in a high-stress moment, knowing exactly what to do can help you stay safe, protect your legal rights, and ensure a smoother recovery process. From calling emergency services to documenting the scene and reporting to the proper authorities, each step plays a vital role in resolving the situation responsibly. Your actions in those first few minutes matter more than you think.

"If you're driving a vehicle from Elan Road Test Rental, rest assured—our team is trained to support you in these critical moments. We'll walk you through next steps, insurance procedures, and make sure you're not facing it alone.''