the time of the accident , What should I do?
as much information as you can at the accident scene:
With car accidents:
You should get at least
the following, for all vehicles involved:
- Name and operator’s
license number for the other driver(s) involved and his/her/their
vehicle(s) license plate number
- name of the insurance
company and policy number for the other vehicle(s)
If there were independent
witnesses to the accident, get their names and some way of contacting
them such as a phone number and/or email address. Independent witnesses
are people who saw the accident but were not in any of the vehicles
With slip and
fall or other injuries:
evidence to prove that the accident happened.
there is anyone who saw your
fall, get their name(s) and some contact
information such as phone number(s) and/or email
- If you fall in a place
such as a store or shopping mall, make a report
to the store manager, mall security etc. Make
a note if there were any security cameras viewing your fall location.
an incident report, ask for a copy.
- Get as many
of people who were present were present and saw where
you fell as possible. If EMS (ambulance) attends, tell the EMS
attendants how and where the fall happened.
b) Get evidence
of where and how the accident happened.
- As soon as possible afterwards,
of the accident scene.
Use your cell phone if you have one
- Come back later and
photograph the scene if necessary. Photographs
hazard it was that made you
fall, if possible.
a note as to where exactly you were
when you fell. For example, it could
a big difference if you slip
on a city sidewalk or if
were on private property
and whether an icy patch was caused by drainage
coming from nearby.
motor vehicle accidents:
Make a police report:
If the police come to
the scene they will probably do a report.
to the accident
scene, you can
go to a police
the above information
and the police
a report if anyone was injured
or there was
than $1000 in
to keep a legible
copy of the police
report and your
you were driving).
As a driver,
you should not
check the box
at the bottom
statement, abouve where you
it can be
to anyone who
it. If you’re
a passenger, you do not have
to provide a
if you do provide
one it will be disclosed
all the other
if the police
charges or make
a report, you can still make
a claim if you
are injured .
Talk to us about
As soon as possible after the accident:
- If you are injured, get
medical attention. It’s best
if you see your regular
family doctor if you have
possible, go to a
- Contact the insurer
for the vehicle you were in
time of the accident
- If your own vehicle
was damaged in the accident
and you have
your own vehicle's insurer will
- If you’re
injured, your insurer will
pay the cost of certain
treatments and provide
replacement if you miss
work. These “no-fault” benefits
are provided no matter
who was at fault in the
of the premiums paid
in the future.
- If you
at fault, or partly at fault,
do not worry
him or her
by seeking compensation for your
we have insurance is
people that we might accidentally
would expect you to forego
in compensation that you
have, just so that he can save a
per year on insurance
for a few
years. In fact, once
pays for the damage to another
it is considered a paid claim and his
go up. It
no difference to the amount
they go up
if there are also personal
to be paid as a
result of the same accident.
I need a lawyer?
Feel free to take advantage
of our free initial consultation.
While the friendly insurance
adjuster for the at-fault
person may be happy if (s)he is the only one advising you as
to what to do and the merit and value of your claim, you are well
to have an experienced lawyer filling that role and advising
as to what evidence is needed. Insurance companies benefit by
communicating with you directly, recording communications and paying
which is in conflict to your interests. It is quite common for
us to settle claims for many times what our clients were offered
coming to us.
should I talk to a lawyer after the accident?
need our help with another problem, wait till after you have reported
the accident to police, seen a doctor and
arrangements you need to make
to accommodate the interference with your life that the accident has
While you have two years
within which to preserve your rights by starting
a court action, the evidence gathered at the time of
the accident and shortly after is
sometimes critical to your claim and we recommend that you contact
us sooner, rather than later. You do not have to communicate
with the wrongdoer or
anyone from his insurer or sign anything for them. Doing
that will not be helpful
to your lawyer, who wants to have copies of any statements made and know who said what to whom. This is even more important where there is a
that there will be
a dispute over who is at fault for the accident and what problems
and losses were caused by the accident.
I talk with the
other side's insurer
after the accident?
While it makes sense to
talk to the adjuster from the other side, if necessary to get your
car fixed or replaced,
for the reasons stated
above, we recommend that you not discuss the accident or your
injuries and other resulting problems with the adjuster for the
other side or sign anything
insurance adjuster says I have a minor injury or that it’s “capped” and
it’s only worth
While insurance adjusters
may regularly tell people that their injuries are “minor” and
subject to a maximum payment of less than $5000.00, we
recommend that you not accept such advice from them. If an injury
pain or persists
in affecting the way that you work or otherwise carry on
your life, that usually brings it outside the category of “minor”.