Frequently asked questions.
Have questions about CAA Auto Insurance? We’ve got the answers.
Step 1. Stop your car and make sure that everyone inside is safe. Failing to stop when you’ve been involved in a car accident is a criminal offence in Ontario.
Step 2. Call the police if anyone is injured or if it appears that the total damage to all the vehicles involved is more than $2,000. If no one is injured, or if it appears that the total damage to all the vehicles is less than $2,000, call your local Collision Reporting Centre within 24 hours. Call (416) 745-3301 or visit accsupport.com to locate the Collision Reporting Centre nearest you.
Step 3. If it’s safe to do so, and you have access to a digital camera or cellphone, get out of your car and take pictures of the accident.
Step 4. If it can be done safely, move your car to the side of the road and away from traffic. If your car cannot be driven, make sure to turn on the hazard lights or, if it’s appropriate, use cones, warning triangles or flares.
Step 5. Exchange information with all the other parties involved and record as much information about the collision as possible.
Step 6. Call your auto insurance company as soon as possible to report the accident.
After an accident, it’s important for you to get complete information from the other party or parties involved. Information obtained should include:
- All vehicle information
- License plate numbers
- All names, addresses and phone numbers
- Driver’s licence numbers for all drivers involved in the accident
- The location of the accident (e.g. major intersections)
- Police information (if they attended the scene)
If the police attend the scene, it’s reasonable to assume that they will secure much of the above information. It’s important that you get the officer’s name, badge number and report number so that your insurance provider can obtain the police report. While most information will be recorded by police, it’s prudent to get as much of the above information as possible for your own records. If your insurance provider needs to order a police report, it can take as long as eight weeks to arrive.
When you file an insurance claim, the deductible is shown on your Certificate of Automobile Insurance. It’s the amount of money that you, as the policyholder, are responsible for paying. Insurance companies use deductibles to share the cost of any claims with the policyholder. For example, if it costs $5,000 to repair your vehicle and your deductible is $500, you are responsible for paying the first $500 to the repair shop. Your insurance provider will pay the rest of the eligible costs.
Some elements of coverage do not have a deductible. For example, if you’re involved in an accident in Ontario involving another vehicle and the driver of the vehicle has valid insurance and is found to be at fault, you will typically not be required to pay a deductible.
Your insurance company will look at many factors when calculating the cost of your premium, including the following:
- Your driving record, including any accidents or driving convictions
- Where you live
- The type of vehicle you drive
- Your driving history, age and gender
- How you use your vehicle (whether you drive it to work, use it for business or commercial use or for pleasure only)
- The number of kilometres you drive in a year
There are many easy ways to help you lower the cost of your auto insurance. Here are some examples:
- Bundle your insurance needs – auto and home, for example. Here’s a tip: Bundling your Auto and Home Insurance through CAA can save you up to 22.5%¹.
- Driving less means you’re adding fewer kilometres to your car. Explore CAA MyPace™, Canada’s only pay-as-you-go insurance payment program for low-mileage drivers.
- Drive responsibly and make sure to maintain a clean driving record from year to year.
- Ask your CAA Insurance Agent or Broker to lower your insurance premium.
- Do you have any memberships or affiliations that can save you money on auto insurance? Here’s a tip: While you don’t have to be a CAA Member to get CAA Auto Insurance, CAA Members save up to 20% on auto insurance2. This is in addition to all kinds of valuable Member-exclusive benefits and perks.