What to Do After a Car Accident in Canada — Step-by-Step Guide

Quick Answer
After a car accident in Canada: (1) check for injuries/call 911, (2) move vehicles if safe, (3) exchange info (name, license, insurance, plates), (4) photograph everything, (5) file police report if required (Ontario: if damage >$2,000), (6) contact insurer within 24 hours. In Quebec, bodily injuries go through SAAQ (no-fault); property damage through your private insurer.
Part of our complete guide:
Car Insurance Canada — Complete Guide →First 5 Minutes — Safety & Emergency

Document Everything — Next 10 Minutes
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Check Vehicle Accident History — CARDAPS
Filing Your Insurance Claim — Within 24 Hours
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Frequently Asked Questions
Yes if injuries, suspected impairment, or vehicles can't move. Ontario: report within 24h if damage >$2,000. Quebec: police required for injuries only.
Dual system: SAAQ covers ALL bodily injuries (no-fault public program). Your private insurer covers vehicle damage and property liability. File separately.
At-fault claims increase premiums 15–40% for 3–6 years. Not-at-fault generally doesn't affect premiums. Some insurers offer first-accident forgiveness.
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