What is the accident reporting threshold in Ontario?
In Ontario, you must report an accident to police if the total property damage (to all vehicles and property combined) is $2,000 or more, or if anyone was injured or killed. Failure to report is a Highway Traffic Act offence punishable by a fine of $200–$1,000.
What is BC's accident reporting threshold?
British Columbia has the highest threshold in Canada at $10,000. However, all accidents in BC involving another vehicle or property must still be reported to ICBC (the provincial insurer), regardless of the damage amount.
Do I have to call the police after a fender bender in Canada?
If the damage is below your province's reporting threshold and there are no injuries, you are typically not required to call police. However, you must exchange insurance and contact information with the other driver. You should still report the accident to your own insurance company.
What happens if I don't report an accident in Canada?
Failing to report a reportable accident is a criminal offence under the Criminal Code (hit and run) or a provincial Highway Traffic Act offence. Consequences include fines, demerit points, licence suspension, and potentially criminal charges for hit and run.
Should I always report to my insurance company after an accident?
Yes — you should always report an accident to your insurance company, even if it is below the police reporting threshold. Failure to report to your insurer can void your coverage and result in policy cancellation.