We provide an Accident Claim Service that aims to help you get the compensation you deserve after an accident. We understand that being involved in an accident can be a stressful and traumatic experience, which is why we're here to provide support and guidance every step of the way.
Understanding the Claims Process
You’ve been in an accident and need to make a claim. The following will help you understand the process and lead you to the best possible outcome. If you need more information on your particular situation, you will need to speak to your insurance agent, broker, or company representative.
Once your claim is filed, you will be contacted by a claims adjuster. They may require that you complete a Proof of Loss form. The adjuster will determine how much of your claim your insurer will cover, and guide you through the claims process.
As a driver you can be found anywhere from zero to 100 per cent at-fault following an accident. If you are found at-fault, this will be recorded on your insurance record. If you are found to be 50 per cent, or more, at-fault, there is a good chance your premium will go up the next time you renew your policy.
Note that if you lend your vehicle to someone and they are found to be 50 per cent, or more, at-fault for an accident in your vehicle, their accident will go on your record."
The amount you receive in compensation will depend on the extent to which you were found at-fault for the damage, and the type of insurance coverage you purchased. Ask your claims adjuster for full details.
If any other vehicle in the accident was uninsured, you can make a claim under the mandatory Uninsured Motorist Coverage of your policy. Coverage is up to $25,000, less the first $300. You must be able to identify the owner or driver of the other vehicle in order to qualify.
What to expect if you’ve been injured
If you are injured in an auto accident, you may be entitled to the following benefits:
Income replacement: replaces job income you cannot earn while recovering
Caregiver: provides compensation if you are required to leave work to care for an injured member of your household
Non-earner: provides compensation if you are completely unable to carry on a normal life, and do not qualify for an income replacement or caregiver benefit
Medical: pays for medical expenses incurred through your injury
Rehabilitation: pays costs incurred during rehabilitation
Attendant Care: pays some of the costs of an aide or attendant
Compensation for Other Expenses: may pay for the cost of family visits during treatment or recovery, some housekeeping and home maintenance, the repair or replacement of some items lost or damaged in the accident, or lost educational expenses.
How and when to file an accident report
Following an accident, you must file a report with your broker, agent or insurance company within seven days—or as quickly as possible after that. Failing to report within a reasonable amount of time may result in your claim not being honoured.
You will need to provide the following when making your report:
To whom it may concern:
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