Accident Info
Helping you regain confidence & control when the unexpected happens
Frequently asked questions
YES, ABSOLUTELY! The insurance company may suggest a shop, but the final choice is YOURS. Taking it to a licensed and qualified shop such as Select Auto Collision & Refinishing is important. Keep in mind that it is not your insurance company that warranties the repair work on your vehicle but rather the auto body shop that does the work. All reputable shops will warranty the quality of their work.
Do the police need to be notified of my collision?
You should contact the police if anyone is injured or the vehicles are not drivable. If there are no injuries and the vehicles are drivable there is no need for the police to attend.
Do I need a damage report?
Current legislation in Ontario states that if you are involved in a motor vehicle collision and the damages exceed $1,000 you must file a police report and obtain a damage sticker prior to having your vehicle repaired. If you are unsure if the damages to your vehicle are over $1,000, please contact a Select Auto Collision & Refinishing representative to book your free estimate today.
If the accident happened inside Toronto city limits, any reporting police station can issue a damage report and sticker. If the accident happened outside GTA city limits, you must obtain a damage report and sticker from the OPP.
What is the difference between a claims appraiser and a claims adjuster?
A claims appraiser is the person who will assess the damage to your vehicle and prepare an estimate. A claims adjuster is the person who will handle all other aspects of your claim, such as confirming the loss details, speaking with other parties and insurance providers, and arranging rental vehicles.
How do I obtain a claim number?
Your insurance company will assign a claim number when you report your accident to them. Your claim number is all Select Auto Collision & Refinishing needs to begin your repair process.
What is a deductible?
A deductible is the amount you have agreed to pay in the event of a loss. Your policy premium
Why do I have to pay a deductible if the collision was not my fault?
The deductible applies to your claim, regardless of who is at fault for the collision. Where information on liability is clear, your insurance company may make the decision to waive your deductible. However, if the other party does not carry valid insurance, or there is a dispute in liability, your deductible may not be waived.
What if my insurance company does not approve all the repairs?
Select Auto Collision & Refinishing can only do work the insurance has approved. If you do not agree with their estimate, it is important that you resolve this matter with them before repairs commence. Customers may pay for any additional work they wish to have done.
What form of payment does Select Auto Collision & Refinishing is accept?
Visa, MasterCard, Debit, Cash, Money Order, Certified Cheque
Once You've Had An Accident
If it's not serious, no one is hurt and there are no safety issues, get the cars off the road.
Call police to ensure their presence isn't necessary. They'll be able to tell you the location of your nearest collision centre.Exchange information with anyone involved. Be sure to get their name, phone number, license information and the name of their insurance company.Report to a collision reporting centre within 24 hours, with any documentation you may need. Remember that by law, any towed car must be taken to one of the centres.
Exchange information with anyone involved. Be sure to get their name, phone number, license information and the name of their insurance company.
Report to a collision reporting centre within 24 hours, with any documentation you may need. Remember that by law, any towed car must be taken to one of the centres.
What Do You Report?
If the damage is minimal -
There's a death or serious injury. The accident is a result of criminal behaviour (like impaired driving or a stolen car). The mishap involves a T.T.C. bus or streetcar or a federal or provincial vehicle. The accident involves someone who's not insured or whose license is already under suspension. It involves a vehicle or truck transporting dangerous goods, like chemicals. There's serious property damage.
