How to File a Car Insurance Claim in Canada

Introduction
Accidents happen—and when they do, knowing how to file an insurance claim in Canada is essential. This article walks you through the step-by-step process, what documents to prepare, timelines, and tips to avoid claim rejection.

When Should You File a Claim?

• Damage over your deductible

• Accident involving another vehicle

• Injuries to anyone involved

• Theft, vandalism, or hit-and-run

• If you’re unsure—call your insurer for guidance

Step-by-Step Claim Process in Canada

1. Ensure Safety First

   • Move to a safe place, call 911 if needed

2. Document the Scene

   • Take photos of damage, surroundings, license plates

   • Note weather, time, and witness info

3. Exchange Information

   • Names, contact, license numbers, insurance details

4. File a Police Report (if required)

   • Mandatory in some provinces for damage > $2,000

5. Contact Your Insurance Company ASAP

   • Most require notification within 7 days

6. Submit Claim Forms

   • Provide statements, estimates, police reports

7. Assessment and Adjuster Review

   • Damage inspection, liability determination

8. Repair or Settlement

   • Repairs arranged or payout offered

What Documents Are Needed?

• Police report

• Photos/videos of damage

• Repair estimates

• Your statement of events

• Insurance policy details

How Long Do Claims Take?

• Minor fender-bender: 1–2 weeks

• Major accident: 1–2 months

• Complex claims: 3+ months

Common Claim Mistakes to Avoid

• Delaying notification

• Admitting fault on the scene

• Incomplete documentation

• Inflating damages

Will Your Rates Go Up After a Claim?

• Yes, if you’re at fault

• May not increase after not-at-fault accidents

• Accident forgiveness may apply if available

Conclusion
Filing a car insurance claim in Canada requires quick action and good documentation. Knowing the process in advance helps reduce stress and maximize your payout.

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