Canada sees roughly 160,000 vehicular accidents per year. These accidents range from fender benders to more serious crashes resulting in property damage, personal injuries, or both.
All drivers in Calgary need to be prepared in the event of a collision. This includes following Alberta's road safety laws, purchasing auto insurance in Calgary, and reviewing your policy thoroughly.
Your insurance policy outlines coverage specifics, your driver's rights, and what you're responsible for after an accident.
This article teaches you how to act quickly and initiate the auto-claim process properly.
What's the First Step to Take After An Accident?
It's essential to act quickly with a clear head after a collision. Thus, your first step is to stop your vehicle immediately after the accident occurs. Failing to stop may lead to possible criminal charges.
However, you are allowed (and encouraged) to park your car at a safe distance from street traffic to avoid more injuries.
Investigating the Collision Scene
After stopping your car, signal to the other driver (or drivers) involved in the collision. You can use hazard lights or road flares. If you have traffic cones in your trunk, you may need those too.
Inspect yourself for any injuries first. Calling an ambulance will be necessary if you (or a passenger) sustain any serious injuries.
Next, exit the vehicle if you feel well enough to stand and review the damage. Keep a safe distance when inspecting your car for damages. Don't place yourself between your car and other vehicles involved in the collision.
What to Do at the Scene
Calgary auto insurance claims require detailed documentation.
Use your smartphone (or an available camera) to take photos of all damages sustained, including personal injuries. Document the entire collision scene. Take pictures from all angles.
You'll need to write down the names (and license information) of the other driver (or drivers) involved in the accident. This also includes any witnesses to the collision.
Record as many details as possible.
More details include:
Time and date (be as exact as you can)
Accident location
How many passengers were involved
The other party (parties) insurance providers
A written description of the collision
You'll need to call the police if you or the other party is injured. An officer is necessary if property damage exceeds $2,000. You'll also need to call the police if the other party has no license or insurance.
Remember to record the police badge number of the officer assigned to the scene.
However, don't assume any responsibility for the collision. This includes paying for the other party's damages. Likewise, don't accept any payment from the drivers involved on the scene.
Initiating the Auto Accident Claim Process
Call your insurance broker to report the collision immediately. Have all your details ready. This step will initiate the auto-claim process.
You may have to fill out an additional "proof of loss" form. Providing as many details as possible helps your insurance company estimate how much damage it can cover.
The insurance company will usher you through the claim process. This includes determining fault in accordance with Canada's Insurance Act and Fault Determination Rules.
You can always discuss any questions about Calgary's auto-claim process with your insurance provider.
Learn More About Auto Insurance Claims in Calgary
Always be prepared in the event of a collision. Keep this guide handy for your convenience.
Ensure you have adequate coverage on the scene to initiate a smooth auto-claim process.
Learn more about your insurance options or contact John Beal Insurance today to book an appointment.