Whether you are driving for a business trip, a family vacation or a romantic retreat, a road accident is something you never want to experience, but it is the most important possibility to be prepared for. While you may consider yourself a safe driver, it does not make your vehicle immune to collisions or damages that can occur due to the negligence of other drivers, tough road conditions or harsh weather.
In Alberta, the law requires you to inform the authorities about any collision where people have been injured, or the damage to another vehicle, bike, pedestrian or other objects such as street signs or light poles exceeds $2,000. If you damage any traffic control devices or parking meters, then reporting the incident is mandatory, irrespective of the cost of damage. If you can continue using your vehicle safely, you may want to drive to the nearest district police office to report the incident. However, if your vehicle is immobilized, or people are injured, call 911 and let the police arrive on the scene to file an onsite report.
While your legal duties and the wellbeing of everyone involved in the accident are your first priorities, your immediate next concerns should be to set your insurance related formalities in motion so you can get your vehicle fixed and back on the road at the earliest. If you need a towing facility to get your vehicle to a repair shop, TSG Insurance Company offers a quick summary of what you need to know before you hook up your car to a tow truck.
Things to Know before Your Vehicle is Towed
When you are in an accident or vehicle problem, even if there are no injuries, you may still be in shock or a little shaken. If your vehicle is not driveable and needs to be towed, here are some things to remember:
- Be Vary of Scammers: All tow truck operators may not be legal or trustworthy. Be wary of scammers who listen in on police radio frequencies to know about reported incidents, or cruise the streets waiting for an accident or breakdown to happen. They will swoop in on you and try to make a quick buck by pushing you into a decision, even before you have had a chance to make any other calls. Before you know it, your vehicle will be hooked up and driven to an unheard of repair shop which may also be part of a team of fraudsters looking to rip you off.
- Call Reputed Operators: Before getting your car towed, speak to your insurance company and ask for recommended operators, as well as repair shops in your desired location. If you are a member of the Canadian Automobile Association (CAA), you may be eligible for subsidized or free roadside assistance, including towing facilities for a pre-determined distance. If your insurance or other memberships do not cover towing, speak to family or friends, or check online reviews before independently calling a tow truck operator.
- Tow Trucks Could Be Your Biggest Support: Not every company is a scammer, yet you need to make an informed decision when choosing a towing truck. These operators could be your best support system during a vehicle disruption situation, especially when you are left stranded on the road. In fact, as per the Traffic Safety Act, motorists need to slow down while passing tow trucks and emergency response vehicles, and speeding fines in areas near a parked emergency vehicle are doubled.
- Know Your Towing Coverage: While your insurance company may offer assistance on towing facilities and repair shops, your policy may or may not fully cover the towing expenses. Your coverage may depend on aspects such as :
- Party that is determined to be ‘at-fault’ for the accident
- Features that you have chosen in your auto insurance policy
- Distance for which the towing facility is required. (If the collision has occurred outside of your home province, you may need to have your vehicle towed for a distance that is beyond your towing coverage limits).
Comprehensive Auto Insurance from a Trusted Alberta Broker
For any accident related claims and assistance, a good insurance broker will work with you closely every step of the way to ensure that your claims process is hassle-free. For comprehensive insurance coverage and customized plans, rely on the experienced team at TSG Insurance. With over 30 years of experience in serving residents of Calgary, Brooks and Medicine Hat, we offer a wide range of auto insurance products that cater to your needs and budget.
Call us toll free at 800-830-9423 to book an appointment with our licensed professionals at one of our convenient locations. You can also contact us online for a free quote and we will respond as quickly as possible.