What to Do After a Car Accident in Ontario: A Step-by-Step Guide

Immediate Steps After a Car Accident

1. Check for injuries — Call 911 if anyone is hurt.
2. Move to safety — Move vehicles to the shoulder if possible. Turn on hazard lights.
3. Call police — Required for injuries or damage over $2,000.
4. Exchange information — Names, licence numbers, insurance, plates.
5. Document the scene — Photos of damage, road conditions, signs, injuries.
6. Get witness names and numbers.
7. Seek medical attention — Even if you feel fine. Whiplash and concussion can appear later.
8. Notify your insurance company — Within 24 hours.
9. Contact a personal injury lawyer — Before giving a recorded statement.

Within 7 Days: File Your Accident Benefits Claim

Submit the OCF-1 form to your insurer. You are entitled to benefits regardless of fault. Delay prejudices your claim.

Within 2 Years: Preserve Your Right to Sue

The limitation period for a tort claim is two years. Do not wait.