Read the policy and certificate
Coverage depends on what was in force on the accident date.
An adjuster becomes the main contact
The adjuster may request a Proof of Loss or other forms.
Property and injury claims can follow different tracks
Vehicle damage and accident benefits are governed by different policy sections and rules.
Disputes have escalation paths
Claim complaints can go through the insurer complaint officer, FSRA and, for accident-benefit disputes, the Automobile Accident Benefits Service where applicable.
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.