Unfortunately, good drivers aren’t immune to car accidents. Collisions can happen to the best of drivers, most often when they least expect it.

Whether due to slippery road conditions, a wild animal darting out in front of you, mistakes made by an inexperienced driver, or a run-in with an impaired motorist, there are many unforeseen risks on the roads. Thankfully, your car insurance can help cover the unanticipated costs of an accident. But first, you’ll need to report it.

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What to do if you have been in a car accident

If you have been in an accident, follow these next steps:

• Don’t leave the scene and pull over as soon as it is safe.
• Check to make sure no one is hurt. Call 9-1-1 if someone is injured and don’t move anyone who has been hurt.
• When it is safe to do so, move your car off the roadway and out of traffic. If you can’t, turn on your hazard lights or set up flares.
• Call the police if the damages to both vehicles total more than $2,000.
• If it is safe to do so, document the damage with photographs and video if possible, and exchange information with the other driver(s).
• Call your car insurance provider and file a claim.

Visit a collision reporting centre within 24 hours of the accident if directed to by the police or to self-report a minor collision. From there, you can work with your adjuster and your car insurance provider to navigate the claims process.