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Ontario Highway Traffic Act

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Do I need to inform my insurer about an accident
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PostPosted: Sun Feb 12, 2012 1:55 am 
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Joined: Sun Feb 12, 2012 1:51 am
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My car skidded and it slammed into a tree on the median of the road. Thank God no other vehicles were involved and no one was hurt. I reported the accident to the police because the accident did involve municipal property (the tree) and the law requires that such accidents be reported to the police.

What I am uncertain about is whether I am legally required to inform my insurance company even if I do not intend to make a claim.


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Re: Do I need to inform my insurer about an accident
PostPosted: Sun Feb 12, 2012 9:52 am 
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Joined: Tue Apr 22, 2008 7:21 am
Posts: 2933
Location: In YOUR rearview mirror!
once the police complete a "traffic report", which is a simply a collision report...from there it goes to the MTO where the info is uploaded on the driving history of those on the report.
I do not know the legalities of initial notification, but upon renewal you would have to answer "yes" that you have been in a collision as the insurance company has access to the MTO driving record

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Above is merely a suggestion/thought and in no way constitutes legal advice or views of my employer. www.OHTA.ca


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