What to do in the event of an accident or car breakdown?
Although we take security measures on the roadsuch as fastening our seat belts, keeping a safe distance between vehicles and maintaining our engine and tires, unforeseen events occur sometimes. If you or an acquaintance are involved in an accidentor if your car breaks down, follow these recommendations to stay safe and manage the situation.
10 steps to follow if you are involved in a car accident
- stop. Never leave the scene of an accident. If the other motorist leaves the scene, write down their license plate number so authorities can find them. Take a photo or video if needed.
- keep your cool. Make sure no one is hurt, then check for property damage. You may be pressured to make decisions at the scene of the accident, but don’t give in to the pressure. Take all the time you need to assess the situation.
- Look around you. Watch for traffic and turn on your hazard warning lights to alert oncoming drivers. If possible, install flares or reflectors to warn oncoming drivers.
- Ask for help. If the accident is serious, call 911.
- Help the injured. Keep them warm and do not move them except in case of imminent danger.
- Gather information. When you know no one is in danger or help is on the way, get the information you need to report the accident. Be sure to collect:
- Each driver’s name, license plate number, insurer’s name, and insurance policy number
- The types of vehicles involved
- The location of each vehicle
- Names of passengers and witnesses
- Report the accident. Call the police to report the accident, even in the event of a minor incident. Reporting rules may vary; check with your municipality.
- Take pictures. In particular, photograph the damage caused to the vehicles, all the vehicles involved in the accident, the scene of the accident as well as the other drivers and the passengers.
- Move your vehicle. Move it out of traffic, if you can do so safely. If it’s too damaged to drive, have it towed.
- Limit discussions. Avoid talking of the accident with the other driver, or to apologize to him. Only discuss the facts with the police and your insurer.
Keep a incident report form in the glove compartment of each of your vehicles. If you qualify for theAmnesty in the event of an accident, you could be covered if this is your first accident. Do not forget that our Claims Service Guarantee allows you to call us for risk-free claims advice.
What to do if your vehicle breaks down?
A car breakdown can cause very significant inconveniences. Worse, a breakdown can even be dangerous if it puts you in distress or causes an accident. Here’s what to do if your vehicle shows signs of mechanical trouble or stops completely:
From the first signdrive to the shoulder.
Turn on your hazard lights, if you are no longer on the road. If it is dark, also turn on the lights inside the vehicle.
Choose a safe place if you need to replace a tire. Move your car further away from the road if necessary. When you are safe and away from traffic, change your tire as you normally would.
Ask for help. If you can’t repair your car yourself, call a professional or call the police. Do not hail other motorists.
Stay inside your vehicle, lock your doors and make sure that exhaust gases do not enter the passenger compartment.
Consider walking if you can get help nearby, but don’t compromise your security. Stay as far away from traffic as possible.
Keep an emergency kit in your car. A first aid kit can include a flashlight, flares, a warm blanket, water bottles, and other necessities.
Learn how to do basic auto repairssuch as connecting the battery, checking oil and coolant levels and changing a tire.
Do you have to make a claim following a car accident?
You can submit all your auto insurance claims (including windshield damage) through our Co-operators app, available at App Store and Google Play. You can also call your representing or visit him, or call 1-877-NU CLAIM. In Quebec, dial 1-877-594-2667.