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Someone crashes into your car.

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Their fault, their bill.

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In Ontario, report the

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collision to your own insurer

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first.

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Many claims go through your

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policy, even when the other

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driver caused the crash.

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An uninsured driver and an

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unidentified hit-and-run

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trigger different questions.

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Your coverage choices matter,

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so check the policy that

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applied on the day.

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Direct compensation property

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damage, or DCPD, generally

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covers your not-at-fault share

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when the crash happens in

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Ontario and at least one other

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vehicle has qualifying

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insurance.

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Your own insurer must also meet

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the statutory requirements.

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Coverage can include your car,

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eligible contents, and loss of

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use.

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Ask about any deductible,

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including when you are

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completely blameless.

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The insurer assesses fault

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under Ontario's fault

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determination rules.

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A police charge, or no charge,

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does not settle that

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assessment.

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Ask which rule and facts

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support your percentage.

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DCPD pays the part of covered

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damage for which you are not at

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fault.

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Optional collision coverage can

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cover the at-fault share,

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subject to its deductible and

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terms.

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If the other vehicle is

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uninsured and its owner or

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driver is identified, your

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policy's uninsured automobile

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coverage may respond.

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You must be legally entitled to

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recover from that owner or

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driver.

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The standard property coverage

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provides up to $25 ,000,

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subject to a deductible of

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$300.

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That limit is not a promise to

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pay every repair bill.

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A dent and no identifiable

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owner or driver is different.

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Standard uninsured automobile

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coverage does not pay for

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damage to your car from an

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unidentified vehicle.

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Check whether you bought

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collision or all perils

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coverage and the applicable

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deductible.

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Comprehensive coverage alone

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generally does not cover an

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ordinary vehicle collision.

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Injury coverage is a separate

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question.

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Look for the endorsement called

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OPC F49.

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It removes DCPD and collision

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or all perils coverage for the

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listed vehicle.

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In a DCPD crash, you cannot

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simply replace that missing

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cover by suing the driver who

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hit you.

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Do not assume a later policy

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change will cover an earlier

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accident.

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Ask your insurer to confirm

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exactly what remains.

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Ontario's Motor Vehicle

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Accident Claims Fund does not

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pay for damage to vehicles.

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Also, if you owned the damaged

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car and failed to obtain

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legally required insurance for

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it, the Insurance Act bars an

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action against another person

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for damage to that car or its

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contents.

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Get specific advice, suing the

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other driver is not a

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guaranteed fallback.

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Notify your insurer in writing

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within 7 days, if incapacity

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prevents that, notify as soon

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as possible afterwards.

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Keep photographs, driver and

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insurance details, witness

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information and receipts.

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Follow the separate police

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reporting requirements.

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Protect the car from further

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damage.

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Before ordinary repairs or

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removing evidence, obtain

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written consent or allow the

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insurer a reasonable

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opportunity to inspect.

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ask for the repair estimate or

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written valuation.

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Standard cover generally uses

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the car's value immediately

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before the damage, with

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depreciation.

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Special endorsements may change

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that.

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Confirm the deductible and any

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rental entitlement.

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A valuation or repair dispute

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may qualify for statutory

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appraisal.

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Ask about its costs.

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For a refusal, request written

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reasons and contact the

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insurer's complaint officer.

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Do not assume you have two

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years.

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Ontario legislation sets one

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year from the loss or damage to

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start proceedings against your

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insurer under the policy for

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damage to your car or its

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contents.

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Other claims can have different

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rules.

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Get legal advice well before

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the deadline.

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An ongoing complaint does not,

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by itself, stop that clock.

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For free general legal

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information, Legal Hotline's

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Canada number is on your screen

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now.

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Legal Hotline is not a law

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firm.

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Its information line uses AI.

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Lawyer matching is a separate

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service, subject to

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availability and acceptance.

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For advice on your own

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situation, speak with a lawyer

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in your province.

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In immediate danger, contact

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emergency services.