What To Do Immediately After a Car Accident in Ontario

When a car accident occurs, it is normal to feel a rush of shock, fear, and sometimes pain. What you do in the minutes and hours after a crash can significantly affect your safety, health, and your ability to protect legal and insurance rights. At Pelz Law Group, we have helped countless people across Ontario with road accident cases. Based on our experience, we have prepared this clear, step-by-step guide to help you stay safe and protect your interests.

1. Safety First, Always

The first priority after a collision is safety. If it is safe to do so and you are able, move your vehicle out of the flow of traffic to a safe location. Turn on your hazard lights to alert other drivers. If anyone is injured or a vehicle appears seriously damaged, call 911 immediately. Prompt emergency care can prevent injuries from worsening and creates an official record of the event.

2. Call the Police – Every Time

In Ontario, you must call the police if someone is injured, you suspect impaired driving, or there is significant vehicle damage. Beyond the legal obligation, a police report is a neutral, official account that can strengthen any future claim. Even for a seemingly minor collision, having police document the facts reduces the risk of conflicting stories later.

3. Grab Your Phone and Take Pictures of Everything

Photographs provide objective evidence after a crash. Use your phone or a camera to photograph:

• The damage to your vehicle from multiple angles

• The road conditions and weather at the time

• Nearby traffic signs or signals

• Debris, skid marks, or other physical evidence on the pavement

• Any visible injuries to you or other parties

These images create reliable, time-stamped documentation to support your account and the official police report.

4. Exchange Information with the Other Driver

Exchange essential information with the other driver, including:

• Full name and contact information

• License plate number

• Insurance company name and policy number

If the other driver refuses to provide details, a clear photo of the licence plate can help identify them later. Remain calm and factual when exchanging information.

5. Get Witness Names

Independent witnesses can be crucial for determining fault or confirming how the collision occurred. Ask bystanders for their full names and contact numbers. Their statements can corroborate your version of events if disputes arise with insurers or other parties.

6. See a Doctor Right Away

Even if you initially feel fine, seek medical attention promptly. Some injuries—such as whiplash or concussions—may not be immediately apparent but require timely diagnosis and treatment. Report every symptom to the medical professional. Medical records are important evidence for injury claims and ensure you receive appropriate care.

7. Report the Accident to Your Insurance Company

Notify your insurer as soon as possible, as required by your policy. When speaking with claims adjusters, provide only factual information. Do not speculate, admit fault, or minimize injuries. Clear, consistent information preserves your credibility and helps prevent issues with your claim.

8. File Your Accident Benefits Claim

In Ontario, you may be entitled to accident benefits for medical treatment, rehabilitation, and income replacement regardless of fault. Filing this claim promptly helps ensure you receive the financial support you need while you recover.

9. Do Not Give Statements to the Other Driver’s Insurance Company

Insurance companies for other drivers may request statements that can unintentionally harm your claim. If they contact you, give a brief response such as:

“My lawyer will contact you.”

This protects your rights and prevents premature or inconsistent statements.

10. Contact Pelz Law Group Before Making Major Decisions

With decades of experience handling accident benefits and tort claims across Ontario, Pelz Law Group advises getting legal guidance early. Their team can manage your claim from day one—gathering evidence, dealing with insurers, and protecting your right to full compensation—so you can focus on your recovery.

If you’re dealing with the aftermath of a car accident, securing these protections and pursuing fair compensation through the proper channels requires an experienced legal team capable of building a strong case from the outset.

A Few Final Thoughts

Car accidents are stressful, but following these steps immediately afterward helps protect your health, your rights, and your financial future. Prioritize safety, document evidence thoroughly, seek prompt medical care, report accurately to the police and insurers, and obtain expert legal guidance. Pelz Law Group’s practical approach reflects high standards of expertise and reliability—offering vital support as you navigate the road to recovery and any insurance or legal claims.