Here are some steps to follow, whether your car has suffered a minor fender bender or major structural damage. Make sure you're safe and that your car is not a danger for others, then gather all the necessary information you need to begin the claim process.
Take a moment to check that you and any passengers in your car haven’t been injured. Your health is the most important thing to consider.
If your car is still drivable, move your vehicle to a safe location out of traffic right away.
Even if you think you may be responsible, do not make a decision in the moment that may cost you money later.
You and the other driver should provide each other with your name, address, telephone number, driver's licence number, insurance company name and policy number, and year/make/model of vehicle.
Look for witnesses. If someone saw your accident, you may want to want to ask if you can contact them to support your version of events.
Report it to the police. In cases where the damage is slight and no one was hurt, many people think it’s not important to report the incident. But if there is any damage at all, reporting it to the police is a good rule of thumb.
Get to the nearest repair shop. In most cases, if your vehicle cannot be driven, a tow truck is legally obligated to bring it to the nearest Collision Reporting Centre. You can contact us from there to talk about your next steps, including taking your car to a repair shop from our Rely Network.
Contact us as soon as possible. We can confirm your insurance coverage, tell you if you're entitled to any services or to a rental car, and recommend a preferred repair shop. You can reach a belairdirect claims representative at 1 877 270.9124, 24 hours a day, 7 days a week.
Only fix what needs to be fixed. Please contact us before making any other repairs.