Accident in Brampton or the GTA?
We'll Tow It and Help With What's Next.

Ontario's Highway Traffic Act requires a collision to be reported to police when anyone is injured, when combined damage exceeds $2,000, or when there is damage to highway property. In Peel Region (Brampton and Mississauga), Peel Regional Police currently direct drivers to call 911 if anyone needs to go to hospital or there is any sign of criminality; to report collisions over $2,000 with no injuries at a Collision Reporting Centre (within 48 hours if the vehicle can be driven); and, under $2,000, to report the details to their insurer. Peel publishes current centre locations and hours on its collision reporting page, and procedures can change, so check it before you go.

Outside Ontario's restricted highway tow zones, you do: an operator needs your consent before towing and must disclose its maximum rate schedule. On tow-zone sections of Highways 400, 401, 403, 404, 409, 410 and 427 and the QEW, only the ministry's contracted operator can tow you off the highway; once you're outside the zone you can choose the next tow company and destination.

No. Your insurer can recommend a shop, but FSRA — Ontario's insurance regulator — states that as long as your insurer approves the estimate, you may have your vehicle repaired at the shop of your choice. Check your policy wording and FSRA's claims guidance for the details that apply to your claim.

Coverage depends on your policy and the circumstances of the claim. Rental coverage, for example, is usually optional coverage with daily and total limits. Ask your insurer what applies before you authorize work.

In Ontario, damage to your own vehicle is usually claimed through your own insurer under Direct Compensation – Property Damage (DCPD) to the extent you're not at fault, if your policy includes DCPD coverage. Your insurer will explain how fault affects your claim. It doesn't change your right to choose your repair shop.

Sometimes. On some claims we can reduce our own repair price to help with your deductible. That reduction comes out of our price only, is never billed to your insurer, and is written into your repair authorization. We'll tell you whether your claim qualifies before you commit.

Ask your insurer for the valuation report and the comparable vehicles used, and gather service records and photos showing your car's condition before the collision. Our total loss guide walks through the process.

It depends on the damage and parts availability. Your estimator will give you a timeline once the vehicle has been assessed and keep you updated as it changes.