What To Do After A Car Accident

A car accident can be an overwhelming, and sometimes frightening experience. It may be difficult to remain calm and collected.

Our goal is to help you gather the necessary information following an automobile accident, and to keep you safe. This will ensure that your claims experience is both smooth and positive.



1.  Remain Calm & Stay Safe

- Be aware of your surroundings (are you on a busy highway or are there downed power lines?)

- Check for injuries.

- If it is safe to do so, move the vehicle out of traffic. Do not leave the scene - you could be charged! Wait until you are authorized to leave the scene by the proper authorities.

- Turn the vehicle off.

- Do not move injured persons as you may make the injury worse.


2.  Call the Police if:

- Damage appears to be over $2,000.

- There is damage to property, such as guardrails or road signs.

- There are injuries.

If there are no injuries and the damage is less than $2,000, report your accident to a Collision Reporting Centre within 24 hours of the incident.


3.  Gather Information

- The more information you can collect, the easier it will be to handle your auto claim. Click here for a printable Accident Checklist to store in your glove box just in case.

- Don't forget critical pieces of information, such as the third party's insurance information, driver's licence number and plate number.

- Do NOT admit fault.


4.  Take Photos

- Take photos or video of the vehicles, damage, scene and licence plates - only if it is safe to do so.


5.  Write Down Your Story

- Write down what happened now, so you don't forget the details later.

- If there are witnesses present, ask them to give a statement to the Police.


6.  Report the Accident to Your Agent, Broker, or Ayr Farmers Mutual

- The Ayr Farmers Mutual Claims Department line is 1-800-265-8792. You can reach  one of our Claims Representatives 24 hours a day, 7 days a week.



- You HAVE A CHOICE as to who tows your vehicle, where your vehicle is towed and who will repair your vehicle.

- If someone shows up to tow your vehicle and insists you must use their services, you have the right to refuse.

- Ayr Farmers Mutual will pay for "reasonable" towing expenses for your vehicle in an insured loss. What does reasonable mean? Generally, a towing distance of 100km or less is reasonable. Requesting a vehicle to be towed 3 hours away, may not be considered reasonable.

- Always opt to tow your vehicle to a Certified Repair Shop. Avoid sending it to a storage compound, as these services can be costly. If no other options are available, tow your vehicle home.

- DO NOT sign any documents that contain "Work Orders." Your Insurance Adjuster will handle this detail of the claim.


At Ayr Farmers Mutual, we pride ourselves in having live Claims Representatives who will respond to your auto claim promptly. Our Agents, Brokers and Claims Adjusters are here to guide you through every step of the claims process (it's our job).

We aim to provide peace of mind to our Members during their claims experience. More information about our Auto Insurance Products can be found by clicking here.

Stay Safe!

Download Accident Checklist


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