Accident Photos Man Pictures of Honey Singh Graphic Image Clipart of Gopinath Munde Car Prone Photos: Car Accident Claim Accident Photos Man Pictures of Honey Singh Graphic Image Clipart of Gopinath Munde Car Prone Photos

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If you've been involved in an auto accident and need to file an insurance claim, this booklet will help you understand how the claims process works.
In the unfortunate event that you are involved in an auto accident involving injury or property damage, you will be required to file a claim with your insurance company.
The following information is designed to guide you through the claims settlement process.
This brochure is not a legal document and does not in any way modify or replace your automobile insurance policy. For more information on your specific situation, speak to your insurance agent, broker, or company representative.
What's In The Booklet
Report the Accident to Your Broker, Agent, or Insurance Company
Read Your Policy
What Happens After You File a Claim with Your Insurance Company?
How Does Your Insurance Company Assess Fault?
What to Expect If Your Vehicle Has Been Damaged
Does Your Insurance Company Have to Provide You with a Rental Vehicle?
How Does Your Insurance Company Decide Whether to Repair Your Vehicle or Declare It a Total Loss?
Getting Your Vehicle Repaired
You May Be Responsible for Paying Certain Deductibles
What to Expect If You've Been Injured
Applying for Accident Benefit
If You Don’t Have Your Own Auto Insurance
What Can You Do If You and Your Insurance Company Disagree about Your Entitlement to Accident Benefits, or the Amount of Benefits?
Exclusions
If You Have a Complaint
Report the Accident to Your Broker, Agent, or Insurance Company
When you are involved in an auto accident involving injury or property damage, you need to report it to your insurance agent, broker, or insurance company within seven days, regardless of who is at fault.
If you are unable to report the accident within seven days, report it as soon as possible after that. If you don’t report your accident within a reasonable amount of time, your insurance company may not have to honour your claim.
Have the Facts in Hand!
Your insurance agent, broker, or company representative will likely ask you to supply some basic information. To help speed things up, try to have the following information with you when you call:
the name of the registered owner’s insurance company and his/her auto insurance policy number;
the make, model, year, registration and licence plate number of the vehicle; and
details regarding the accident, including:
the driver's name and driver's licence number (if the driver is not the registered owner);
the date, time and location of the accident,
the extent of any injuries;
the number of passengers involved, if any;
the extent of damage to the vehicle;
your description of the accident;
the names and driver's licence numbers of the other drivers, as well as the names of their insurance companies and their auto insurance policy numbers;
the licence plate and vehicle identification numbers of the other vehicles; and
the name and badge number of the investigating police officer, if the accident was reported to the police.
Read Your Policy
It's a good idea to sit down and thoroughly read your Ontario Automobile Policy (OAP 1). It provides specific details about your insurance coverages, your rights and your responsibilities under the contract.
If you do not have a copy of the Ontario Automobile Policy (OAP 1), ask your insurance agent, broker, or claims adjuster for a copy, or download a copy.
The claims process will be easier to understand if you know the details of your coverage and your responsibilities.

What Happens After You File a Claim with Your Insurance Company?
Once your claim is reported, you will be contacted by the claims adjuster assigned to your file.
In some cases the adjuster will want to meet with you in person; in other cases the entire claim will be handled over the telephone. To support your claim, you may also be required to complete a claim form, also known as a Proof of Loss form (a sworn statement in support of your claim).
Your claims adjuster will determine the extent to which the claim is covered by your insurance policy, explain the coverages provided by your policy, and help guide you through the entire claims process.
If you have any questions or if there is something about your policy or claim that you don’t understand, ask your claims adjuster for clarification.

How Does Your Insurance Company Assess Fault?
Someone is always determined to be at-fault in an auto accident, whether partially or fully.
Insurance companies must determine the degree of fault to be assigned to each driver for purposes of determining which property damage coverages apply to the accident, and to ensure that the premiums of the driver who was more than 25 per cent at-fault are adjusted appropriately.
The Insurance Act and the Fault Determination Rules made under the Insurance Act determine fault for an auto accident. The Fault Determination Rules are regulations put in place to help insurance companies provide consumers with prompt claims handling and consistent treatment.
After you report an accident to your insurer, the company will investigate the circumstances of the accident and then make a fault decision based on the Fault Determination Rules.
These rules:
cover more than 40 accident situations, using diagrams to illustrate specific occurrences, can be applied to almost every possible road collision scenario; and
are applied regardless of road or weather conditions, visibility, point of impact on the vehicles, or the actions of pedestrians.
Fault is allocated to each driver based on which accident scenario most closely resembles the accident. If the accident is not described by any of the scenarios, then fault is allocated according to the ordinary rules of negligence law.
Visit the ServiceOntario e-laws website to view or print a copy of the Fault Determination Rules.
How Do Police Charges or Convictions Affect Your Insurance Company’s Decision?
If you are charged with an offence, you will not necessarily be found at fault for insurance purposes.
Similarly, if the police don’t file charges, it doesn’t necessarily mean that the insurance companies investigating the circumstances of the accident will not find one or more of the drivers involved at fault. For example, if a vehicle was unable to stop on an icy road and rear-ended another, a police officer may say that neither of the drivers was at-fault. Such a comment relates to the laying of charges and should not be taken as an opinion about how the Fault Determination Rules apply to an auto insurance claim. In a case like this, the insurer would apply the rule stating that a vehicle which rear-ends another is at-fault. On the other hand, with certain types of charges, the Fault Determination Rules will not apply, and fault will instead be determined according to the ordinary rules of negligence law.
Can Fault in an Auto Accident Be Shared?
Yes. The circumstances of an accident may show that more than one driver was partially at fault for insurance purposes.
How Does an At-Fault Accident Affect Me?
A driver can be anywhere between 100 per cent and zero per cent at fault. Any driver who is more than zero per cent at fault will have an at-fault accident on his or her insurance record.
If you are found more than 25 per cent at-fault for the accident, it is more than likely that your premium will go up on renewal.
To confirm how your rates will be affected, check with your insurance agent, broker, or company representative.
Note: When you lend your vehicle to someone, you are also lending him or her your insurance. If the individual you lent your vehicle to has an accident and is found to be more than 25 per cent at-fault while using your vehicle, the accident will go on your insurance record, and your auto insurance premium will go up.
What Can You Do If You Disagree with Your Insurance Company’s Assessment of Fault?
If you are dissatisfied with your insurance company’s decision on fault, and believe that the decision does not accurately reflect the circumstances of the accident, speak to the claims adjuster handling your file. Ask him or her what rule in the Fault Determination Rules has been applied in your case.
Bring any new information to the attention of your insurance company. Generally, an insurance company will revise or reconsider its decision on fault only if additional, relevant information is provided. For example, if an accident occurred in which each driver stated that the other driver had gone through a red light, an insurance company would have little choice but to assign fifty-fifty fault. However, if an eyewitness confirmed which driver went through the red light, an insurance company could review its decision.
If your insurance company refuses to revise its decision and you still disagree, contact your company's complaint officer. He or she will guide you through the company’s complaint-handling procedures.
Refer to the section in this brochure entitled "If You Have a Complaint" for more information on how to file a complaint with your insurance company.
What to Expect If Your Vehicle Has Been Damaged
The amount you receive for your damage claim will depend on the extent to which you are at fault for the damage, as well as the type of coverages you purchased.
Speak to your claims adjuster regarding your specific situation. He or she will be able to outline the precise coverages that are available to you, as well as any deductibles that may apply.
Claiming with Mandatory Coverage Only
In Ontario, your mandatory coverage includes Direct Compensation-Property Damage (DC-PD). Under a DC-PD claim, you can to the extent you're not at fault recover for damage to the vehicle and the cost of a temporary rental vehicle (Transportation Replacement Coverage). You can also recover costs for damaged personal contents that are carried in the vehicle, less the deductible you arranged with your insurance company.
For example, if you were 75 per cent at-fault for the accident — and therefore 25 per cent not at fault — your company will pay 25 per cent of your loss, less any deductible.
If your accident is with a vehicle from outside Ontario, DC-PD Coverage does not apply unless the insurer of the out-of-province vehicle has signed an agreement with Ontario to settle claims under the DC-PD rules. If an agreement does not exist, you will have to sue the out-of-province vehicle owner and the driver to recover your loss. Your insurance company will know if the out-of-province insurance company has signed an agreement.
If the other vehicle involved in the accident does not have insurance, you may claim under the mandatory Uninsured Motorist Coverage of your policy. If you claim under this coverage, you must be able to identify the owner or driver of the other vehicle involved in the accident, and you will be covered for damage to your vehicle and contents up to $25,000, less the first $300 of the loss.
Claiming with Mandatory Plus Optional Coverage
Specified Perils Coverage: If you purchased Specified Perils Coverage, your insurance company will pay for damage to your vehicle caused by one of the following perils: fire; theft or attempted theft; lightning; windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the stranding, sinking, burning, derailment, or collision of any kind of transport in, or on which, an insured vehicle is being carried on land or water, regardless of fault, less the deductible you chose at the time you purchased the coverage.
Comprehensive Coverage: If you purchased Comprehensive Coverage, your insurance company will pay for the repair or replacement of your vehicle due to a non-collision loss, including those perils listed under Specified Perils, falling or flying objects, missiles, and vandalism, regardless of fault, less the deductible you chose at the time you purchased the coverage.

Collision or Upset Coverage: If you purchased Collision or Upset Coverage, your insurance company will pay to fix or replace your vehicle if it is damaged in an accident, regardless of fault, less the deductible you chose at the time you purchased the coverage.
For example, if your vehicle is hit while parked and the responsible driver does not remain at the accident scene and cannot be identified, you will be reimbursed for your vehicle repair costs only if your policy includes Collision or Upset Coverage.
Collision or Upset Coverage also pays to fix or replace your vehicle if a driver who was not insured, or cannot be identified, damaged your vehicle.
All Perils Coverage: If you purchased All Perils Coverage, your insurance company will pay for all losses noted above under Collision or Upset and Comprehensive Coverages, regardless of fault, less the deductible you chose at the time you purchased the coverage.
If you had personal items that were stolen or damaged while in your vehicle, your policy may not pay for them, or may pay only a limited amount. This includes any clothing, luggage, and sporting equipment, as well as any electronic accessories and equipment, other than factory-installed equipment. However, if you have a homeowners, condominium, or renters insurance policy, your personal property may be covered under that policy. Call your broker, agent, or insurance company representative for more information.

Car Accident Claim Accident Photos Man Pictures of Honey Singh Graphic Image Clipart of Gopinath Munde Car Prone Photos