Accidents happen. Here are some steps to protect yourself legally, emotionally and financially.
At the scene
First, make sure everyone is safe.
- Check for injuries and call emergency services if needed.
- Do not move anyone who is injured.
- If possible, move vehicles to a safe location.
- Turn on hazard lights and move all uninjured passenger to safety.
- Take photos and record what happened.
- Get the contact details for witnesses
Exchange information:
- Name and phone number.
- Insurance and policy number (take a photo of their pink card).
You need to file a police report if:
- There are injuries.
- Missing documentation.
- The vehicles are not drivable.
- Damage exceeds provincial threshold (e.g., Alberta’s is $5,000 in total combined damages).
Even if you feel fine, visit a doctor. Injuries can appear later.
Call your insurer and your Acera Insurance advisor
- Not sure who your insurer or broker is? Check your pink slip.
- Keep all receipts (towing, rentals, emergency repairs).
Your Acera Insurance advisor helps you:
Understand coverage | Advocate for you during the claims process | Protect your coverage long‑term | Identify prevention steps
During your claim
To keep things moving smoothly:
- Make sure your contact information is up to date.
- Follow your claims adjuster’s instructions.
- Keep your Acera advisor looped in. We are here to advocate for you.
- Review any settlement documents carefully before signing.
After the claim
Filing multiple claims can affect your premiums and coverage options.
Repeated claims, especially of the same type, make it difficult to find affordable options. We’ll help you understand how to reduce risk going forward.
If you have any questions or need to report a claim, contact your Acera Insurance advisor.
Calling after hours? Our emergency claims reporting lines are available 24/7. After Hours Claims: 1.866.212.3239
Information and services provided by Acera Insurance, Acera Benefits and any other tradename and/or subsidiary or affiliate of Acera Insurance Services Ltd. (“Acera”), should not be considered legal, tax, or financial advice. While we strive to provide accurate and up-to-date information, we recommend consulting a qualified financial planner, lawyer, accountant, tax advisor or other professional for advice specific to your situation. Tax, employment, pension, disability and investment laws and regulations vary by jurisdiction and are subject to change. Acera is not responsible for any decisions made based on the information provided.