Safety comes first
If there is an active danger or injury, follow emergency services and police direction.
Report the claim promptly
The insurer will need policy, vehicle, driver, location, injury and damage information.
Keep records
Photos, claim numbers, repair estimates and insurer communications can help later.
Do not admit or dispute legal liability on the roadside
The insurer applies Ontario's Fault Determination Rules to determine insurance fault.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.