Being involved in a car accident in Ontario can be overwhelming, especially when trying to determine whether the incident must be reported. Knowing your legal responsibilities can help you make informed decisions and avoid future complications.
Under Ontario’s Highway Traffic Act, certain situations require mandatory reporting to the police. If anyone sustains injuries, regardless of how minor, the accident must be reported immediately. When the total damage to all vehicles involved exceeds $2,000, the incident must also be reported. Accidents involving a hit-and-run, an uninsured or unlicensed driver, or a government vehicle such as a police car or ambulance must always be brought to the attention of the authorities.
Even when an accident does not meet these mandatory criteria, reporting it may still be beneficial. A police report provides official documentation that can assist with insurance claims or legal disputes. Some insurance companies may even require such a report before processing claims. Reporting can also bring peace of mind, ensuring the event is officially recorded.
There are two main ways to report an accident in Ontario. In cases involving injuries or significant damage, call 911 immediately so the police can attend the scene and file a report. For minor accidents with no injuries and less than $2,000 in damage, the incident can be reported at a Collision Reporting Centre, where drivers can complete a police report without waiting for an officer.
If uncertain about whether to report an accident, it is always safer to do so. Reporting ensures there is an official record, which can prevent future disputes or issues. Additionally, it is important to notify your insurance company as soon as possible and gather key information at the scene, including the contact details and insurance information of all drivers, witness statements, and photos of the damage.
By understanding Ontario’s reporting rules and the options available, drivers can comply with legal requirements while protecting their rights and interests after an accident.