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April 19, 2017  •   10 minute read

Making a Claim

Client Forms & Resources

Emergency Claims Contact Numbers

Below is a list of our commonly asked for claims contact numbers for all of our contracted insurers. Many of our insurers are able to handle a claim 24 hours a day, 7 days a week.

We often recommend that you contact your insurance broker prior to calling your insurer as your broker can guide you through the claims process.

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Collision Reporting Centres

Drivers in Ontario who are involved in collisions must report their collision within twenty four hours to a Collision Reporting Center. Here a police officer will inspect your vehicle for damage. The drivers involved then complete a simplified government collision report form which is reviewed by a police officer.

Any driver involved in a collision where damage to each vehicle or property is more than $1,000 may report the collision to a Collision Reporting Center. However, there are some exceptions as to when you should have police immediately visit the scene of an accident.

Below are the list of exceptions as to when you should have police immediately visit the scene of a collision instead of visiting a Collision Reporting Center. Exceptions to using a Collision Reporting Center:

  • Collisions involving an injury or a death
  • Criminal activity in a collision (e.g. impaired driving)
  • Collisions involving federal, provincial, or municipal vehicles
  • Collisions involving any public transit vehicles
  • Collisions involving a person who is uninsured or a suspended driver
  • Collisions involving dangerous goods
  • Collisions involving damage to private, municipal or highway property.

Find a Collision Reporting Center

After an Accident

You should prepare yourself before visiting a Collision Reporting Center by collecting any applicable information. Immediately after a collision try and take the following steps:

  • If it is safe, remove your vehicle from the road immediately after a collision.
  • Call police to ensure police presence is not required and obtain the location of a Collision Reporting Center.
  • Exchange all information with the other parties, including any witnesses (e.g. names, address, phone, insurance info, pictures if possible).
  • Bring your vehicle to the Collision Reporting Center most convenient to you within twenty four hours.
  • Bring documentation with you to the Collision Reporting Center (e.g. driver’s licence, ownership, insurance, pictures).

Reporting an Insurance Claim

You can report a claim 24 hours a day, 7 days a week, by calling our toll-free number at 1 (855) 482-5001.

When you call, one of our customer service professionals will talk to you about your loss and guide you through the claims process.

The sooner you call, the sooner we can help. Please have as much information as you can available when you call so we can assist you better.

What information do I need?

Depending on the type of claim you are reporting, different information will be needed. Typically, the kind of information we will ask for includes:

  • Your contact information
  • The name and contact information of any other involved parties
  • Your policy info (if available)
  • The type of loss you are reporting
  • The date the incident occurred
  • A description of the loss
  • A description of any injuries

What if I don’t have all of the information?

You should report your claim to My Insurance Broker as soon as possible, even if you don’t have all the necessary information. The faster you report your claim to us, the sooner we can start guiding you through the claims process.

How long will it take to settle?

  • The first step is up to you. The faster you report your loss to My Insurance Broker’s toll-free claim reporting number, the faster we can begin handling your claim without delay.
  • Each claim is different and therefore the length of time needed to settle your claim depends on many factors.
  • The insurer, the type of claim, severity of the damages and other circumstances will all determine the time it will take to settle your claim.

Auto Claim: What steps should I take?

When filing an insurance claim for auto take into account the following:

  • Exchange insurance information with the other party, identify and get names and phone numbers of potential witnesses.
  • Write down what happened while matters are clear in your mind.
  • If required, contact police to create an accident report. It should be noted that some minor single vehicle accidents (e.g. backing into a light post) may not require a police report.

Property Claim: What steps should I take?

When filing an insurance claim for property take into account the following:

  • Look at your damage and determine if there are any safety risks. If safe, make minor repairs to prevent further damage — keep an accurate record of repair expenditures.
  • Feel free to obtain estimates from reliable contractors experienced in repair work.
  • Major damage may require contractor/engineer inspections.
  • Some repairs may not be covered unless you purchased a specific endorsement, such as building code upgrade costs.
Questions? I'm here to help.
Get your insurance quote over the phone—in minutes!
We are available M-F 9am-6pm and will call you as soon as possible. Feel free to call us at 1 (855) 482-5001 During normal business hours.

My Insurance Forms

Below are some useful forms that our clients may require when issuing a new policy or changing payment details. We recommend that when dealing with sensitive information like credit card or account information that proper care is taken to shred these documents once you have confirmed they have been received by your broker.

Adobe Acrobat may be required to view some of the files. Please click on the above icon to download this program for free.

Accident Benefits Checklist

The Accident Benefits Checklist is used to review the accident benefits coverage on your auto policy. Please consult with your broker. More information regarding your options can be found within our Web Site or from the Insurance Bureau of Canada.

Client Consent Form

The Client consent Form is intended to acknowledge the collection, dissemination, and retention of information about the client by the broker during a policy renewal. Additionally, the form may be used to request:

  • To review personal information maintained by the Broker pertaining to the Client’s application, policy or policies;
  • To obtain copies of the Broker’s privacy policies or standards; or
  • To make other inquiries to express concerns, the Client may do so by contacting the Broker Privacy Officer.

Credit Card Authorization Form Dominion

Credit Card Authorization Form Intact

The above Credit Card Forms are used to authorize credit card payments for your policy. Please ensure that after sending this information to your insurer or broker that appropriate documents are shredded to prevent against identity theft.

Pre-Authorized Chequing (PAC) Form Aviva Canada

Pre-Authorized Chequing (PAC) Form Intact Insurance

Pre-Authorized Chequing (PAC) Form CSIO

Pre-Authorized Chequing (PAC) Form Dominion of Canada

Pre-Authorized Chequing (PAC) Form Economical Mutual

Pre-Authorized Chequing (PAC) Form Gore Mutual

Pre-Authorized Chequing (PAC) Form Jevco

Pre-Authorized Chequing (PAC) Form Nordic

What to do after an Automobile Accident

The Claims Process

An automobile accident can be a nerve-wracking experience. For first time accident victims you may be filled with a flurry of uncertainties such as what to do, who you should call and the type of information you should collect. Fortunately for you, your insurance broker is there to guide you through the claims process. In the unfortunate event that you are involved in an automobile accident, your insurance broker will advocate on your behalf for a fair and prompt settlement to restore you to your prior financial status before the loss. It is nevertheless important to know the steps to take after being involved in a car accident and when making an automobile insurance claim. Failure to do this may implicate the process and cause unnecessary delays.

What steps should I take if I am involved in a car accident?

If you are involved in an automobile accident you must stop your vehicle immediately or you could face a criminal prosecution.

If anyone is injured, you must contact the police with immediate effect. You should also report the accident if total damage is estimated to be more than $2000 or if you suspect that either of the other parties involved was driving under the influence of drugs or alcohol. It is important to adhere to the instructions given by the emergency operator, until the police arrive. It is also imperative not to move anyone that is injured or their physical condition could deteriorate. If no one is physically hurt in the accident and total damages seem to be less than $2,000, then you should report it to a collision reporting Centre within 24 hours. At the centre, damage to your automobile will be photographed and you will be required to complete a police report. For the nearest Collision Reporting Centre to you, visit: it is safe to do so, exit your vehicle and take pictures of the scene. You should also move your vehicle to the side of the road if possible, however if this is not feasible, you should turn on your hazard lights or use cones, warning triangles or flares.

It is very important when filing an insurance claim to have all the relevant information and be ready with the required details. You should record how the accident transpired, the time, date and location, the speed of which you were travelling, and the condition of the road. Information for insurance purposes should also be recorded such as driver’s licences, licence plate and vehicle identification numbers, insurance companies and contact information of brokers. It is also very important to obtain the personal information of the other parties involved in the accident such as the name, address and phone numbers of the drivers involved, as well as passengers and witnesses. If the accident was reported, indicate the name and badge number of the police officer at the scene. It is also of utmost importance to report the accident to your insurance broker as soon as possible.

Reporting the accident to your Insurance Broker – How your auto insurance claim is processed

The claims process involves several steps. It is recommended to report any accident involving property damage or bodily injury to your insurance broker within 7 days, or as soon as possible, regardless of who the at-fault party is. Failure to do this may result in your claim not being processed. It is essential to have all the relevant details of the accident documented beforehand, to expedite the process.

Before processing the claim, your insurance broker will confirm if the risk is covered by your policy. Your file will then be assigned to an adjuster who will confirm the extent of your coverage. Claims involving property damage to your automobile and its contents are covered by the direct compensation property damage portion of your insurance policy to the degree that you are not at fault for the car accident. This is determined by the use of fault determination rules ( by insurance companies in Ontario. You would only be compensated for an at-fault automobile accident if you possess optional Loss or Damage Coverage.

Optional Loss or Damage Coverage gives you additional protection against perils such as fire, theft or collision and supplies you with additional coverage not included in your direct compensation property damage benefits. It will compensate you for losses caused by specified perils and will also pay for losses when you are at-fault in a car accident. Compensation for losses arising from specified perils include the risk of fire, theft, lightning, windstorm, hail, rising water and earthquake. In addition to Specified Perils, Loss or Damage Coverages provide comprehensive protection against falling or flying objects and vandalism. You can also select from Collision or Upset coverages which compensates you for losses arising from at-fault accidents and All Perils which also provides coverage against theft.

An at-fault accident can have serious implications for your auto insurance premium. Accidents where you are more than 25 per cent at-fault are usually used by insurance companies to determine your car insurance rate (Financial Services Commission of Ontario). In addition, it can take up to six years for your driving record to be cleared of an offence. As recommended by the Insurance Bureau of Canada, one way to reduce your auto insurance premium is by keeping a consistent accident and conviction-free driving record in addition to excluding high-risk drivers from your policy.

Will my car be repaired or replaced?

If you have been involved in an automobile accident involving property damage, you insurance company has the right to either repair or replace your automobile. Replacement will be done on an actual cash value basis which allows your insurer to replace your vehicle with one of comparable kind and quality. If the total repairs to be done are more than the actual cash value of your automobile then a cash settlement will be given.

What happens in the event of bodily injury?

In the event that you have suffered bodily injury in a car accident, the Accident Benefits Coverage portion of your insurance policy would compensate you for these damages. Your Standard Accident Benefits would also provide coverage for persons injured by your motor vehicle. If eligible, you would benefit from the following coverage: income replacement, non-earner benefit, caregiver benefit, medical benefits, rehabilitation and attendant care benefit and compensation for other expenses. Your accident benefits may also provide compensation for funeral expenses as well as provide a death benefit to the family members of the deceased. Increased coverage is also available for standard accident benefits. For more serious injuries relating to catastrophic impairment, increased coverage is also available for medical, rehabilitation and attendant care benefit for the amount of $2,000,000.

If you are a passenger in an automobile that is involved in a car accident and was not an active contributor to the cause of the accident, you would also be compensated. For victims of automobile accidents who do not have recourse to insurance, the Motor Vehicle Accident Claims Fund will provide compensation to those who are injured, if no insurance exists to respond to the claim.

Automobile accidents are a fact of life. It is important to remember to remain calm and not to get into a heated argument with other drivers and passengers. Do not assume liability for any damages or accept responsibility for fault without first speaking to your insurance representative and having it confirmed. Remember anything that you say can be used against you so be wise in your decisions. Always be prepared, and as suggested by the Financial Services Commission of Ontario, have an emergency kit ready in the event of an accident which should include some of the following: a basic first aid kit, a disposable camera, emergency flares, warning triangles or cones, a fire extinguisher, a flashlight and extra batteries, bottled water, booster cables, a tire repair kit and pump, a small tool kit, a towel, a pair of work gloves, non-perishable food, hand wipes and a thermal blanket.

You should also be cognizant of auto insurance scams involving tow trucks following an accident, which suddenly appear on the scene and are known as “chasers”. Always be on the lookout for any occurrence of fraud involving the use of tow trucks, as this has become very prevalent and on the rise. It is also best to use a licensed body shop as recommended by your insurance broker.


Financial Services Commission of Ontario. After an Auto Accident: Understanding the Claims Process. Retrieved from:

Financial Services Commission of Ontario. What to do after an Auto Accident. Retrieved from:

Insurance Bureau of Canada. How Car Insurance Premiums are Calculated. Retrieved from:

Questions? I'm here to help.
Get your insurance quote over the phone—in minutes!
We are available M-F 9am-6pm and will call you as soon as possible. Feel free to call us at 1 (855) 482-5001 During normal business hours.