After reporting the collision to the police, advise your insurance company, regardless of fault, as soon as possible. Tell them the details of the collision, including any injuries and damages to vehicles or properties. You might have difficulty processing a claim if you are late contacting your insurer, or if you are found withholding details. If your claim is valid, your insurance company must settle it within the time limits stated in your policy.
Police do not determine liability; this is determined in part by insurance companies. If you feel it is necessary, it can be challenged in the Provincial Court of Alberta. If the police lay charges as a result of the collision, this does not necessarily equate to who is liable for the collision.
If your contact is by telephone, follow up with a letter outlining the details of your claim.
Know the limits of your coverage. If you are not certain of what is and isn’t covered by your policy, ask your insurer. Some insurance companies may also connect you to a trained claim advisor to walk you through what to do, including how to deal with the other driver(s) involved.
If the damage to the vehicle is covered by your insurance, the following steps will assist you.