Being involved in a car accident can be an overwhelming event for anyone. In the moments that follow, it’s common to be flustered and unsure of what to do next. While every accident is different, knowing the right steps to take can help protect your safety and make the claims process smoother.
Step 1: Check For Injuries and Stay Safe
Your first priority is always safety. Check yourself and your passengers for injuries. If anyone is hurt, call 911 immediately, if it is safe to do so, move your vehicle out for traffic and turn on your hazard lights.
Step 2: Contact Emergency Services If Needed
Police should be contacted in there are injuries, criminal activity is suspected, or the vehicle damage exceeds reporting thresholds. When in doubt, it’s always best to ask the authorities for guidance.
Step 3: Gather Information
Exchange contact and insurance information with the other driver and document the scene. Record the following information:
- Driver name and contact information
- Insurance company and policy information
- Vehicle make, model, and licence plate numbers
- Photos of vehicle damage and accident scene
- Names and contact of any witnesses
Step 4: Report the Accident
Depending on the circumstances, you may need to report the collision to a Collision Reporting Centre. Keep any documentation you receive, as it may be needed when filing your insurance claim.
Step 5: Contact Your Insurance Company
This is where lots of people start to feel confused and uncertain of what to do. After an accident, you don’t want to navigate automated systems or spend hours trying to find answers online. You want to speak with someone who can help and understands you.
At BCM Insurance, when you report a claim, you’re automatically connected with our in-house claims team. BCM has no call centres and no being passed from department to department across the province when all you want is someone to have your back.
Our claims team works right here in Niagara and are available to guide you through the process whenever you need them. Whether you prefer to visit us in office, or speak with someone over the phone, or by email, you’ll be dealing with real people who understand your situation and are committed to helping you move forward.
What Happens Next?
Once your claims is reported our team will begin to:
- Explain the claims process in uncomplicated language
- Answer your questions and keep you informed
- Coordinate repairs and next steps
- Work with you to gather any required documentation
- Help ensure your claim is handled as efficiently as possible
The BCM Difference
Auto accidents are stressful enough. The last thing you need is uncertainly about who to call or whether you’ll be able to reach someone you truly understands you when you need help.
For over 145 years, BCM Insurance has believed insurance is about more than policies, it’s about people. When the unexpected happens, our local claims team is here to support you with real conversations, real answers, and real help.
Because when you are dealing with an auto accident, having someone in your corner can make all the difference.
