A car accident, regardless of the severity, can be traumatizing and complicated by the immediate chaos. After an accident many drivers are uncertain as to what they should do or if it is even necessary to involve the police. At Thomson Schindle Green (TSG) Insurance Company, our team of insurance brokers have seen it all when it comes to auto insurance in Alberta, and have been there to help our many clients through the process following an accident.
Finance Alberta has outlines the procedures of “What to do after an Auto Collision,” including providing a downloadable Summary and Collision Worksheet Form in PDF format at finance.alberta.ca. They “recommend that you print this document and keep it in your glove compartment, along with a spare pen.”
Here’s what you need to do at the scene of the collision:
- STOP – If your vehicle is involved in a collision and you don’t stop, you may be subject to demerit points or criminal prosecution.
- CALL 9-1-1 – If anyone is seriously injured, or if you suspect any other driver may be guilty of a Criminal Code offence, such as impaired driving. If the police come to the scene, ask for a copy of their report or the file number they have assigned to it.
- ENSURE SAFETY – if your vehicle is drivable, there are no serious injuries and the area is safe, move your vehicle to the side of the road, out of traffic. Except in cases where there is a serious injury or a suspected impaired driver, vehicles need to remain where they are so the collision scene can be investigated. Failure to protect your vehicle from further damage after the incident, as far as reasonably possible, may limit the compensation provided by your insurance company. If your vehicle is not drivable, turn on your hazard lights, or use cones, warning triangles or flares. All passengers should get out of the vehicle and walk to a safe place if they are not seriously injured.
Protecting yourself and others is the first step, police reporting, police-issued damage sticker, towing and collision-related repairs should be secondary. Remember that contact and insurance information should be exchanged with all other parties involved, and that you should collect as much information about the collision and if possible, take pictures. After reporting the collision to the police, advise your insurance company, regardless of which driver was at fault, as soon as possible.
If you have questions about what to do after an accident, contact Thomson Schindle Green Insurance Company at 1-800-830-9423 to speak with one of our highly qualified representatives to receive a free quote or visit one of our offices in Bassano, Brooks, Calgary, Edmonton, and Medicine Hat today. If you need assistance with after-hours claims, please contact us at 1.888.224.5677 or visit one of our locations.