The claims process can be a confusing process to understand if you do not have the knowledge or the expertise to deal with your insurance company on your own. A lawyer can help you to understand the average claim for a car accident, and guide you through this entire process.
Reporting the Accident
When an auto accident occurs, the first step is to report the accident to your insurance company, agent or broker within seven days. This is the most important step, because if your accident is not reported properly or in the right amount of time, then the insurance company does not have to honour your claim.
You should read your Ontario Automobile Policy (OAP 1) thoroughly because it provides all of the details you need to know about your coverage and your rights and responsibilities.
Someone is always going to be determined “at-fault” in a car accident. This means that they can be partially or fully at-fault. Although, insurance companies also have to determine the degree of fault that will be assigned to the drivers. These regulations are put in place so that the insurance companies handle the average claim for a car accident consistently.
Works Cited: https://www.fsco.gov.on.ca/en/auto/brochures/Pages/brochure_claims.aspx#report