1. Exchange information with the other driver involved in the collision.
Get the other driver's:
- customer number
- licence plate number
Our Collision Report form (pdf, 55 kb) can help you remember what information to collect. Print a copy and keep it in your glove box.
If applicable, get the names and addresses of any witnesses. Witnesses can be crucial in determining who's at fault or responsible for the collision.
When to report your collision to the police
You must report the collision to the police if any of the following circumstances apply:
- the collision results in injury or death. If there are injuries, you must also report the collision to 1 of our injury claims offices.
- it's a hit and run
- a driver is impaired
- any of the vehicles involved have to be towed from the scene
- the collision involves a vehicle that does not have a valid licence plate or is an out-of-province vehicle
If none of the above apply, you only need to report the collision to SGI.
2. File your claim.
To file your claim, you can:
- use our online auto claim registration service, Auto eClaim
- call our Dial-A-Claim service during normal office hours at the claims centre closest to your home
Have the following ready when reporting your claim:
- your driver's licence
- your vehicle registration
- if applicable, your auto extension insurance policy number
We'll set up an appointment to have your vehicle appraised and the damage assessed.
3. Meet with an appraiser.
On the day of your appointment, drive your vehicle to the location your adjuster discussed with you. The appraiser will assess the damage to your vehicle and the cost of repairs.
If your vehicle isn't safe to drive, we'll arrange to have it towed to 1 of our claims centres.
4. Have your vehicle repaired.
Once the appraisal is done, you'll get a printout outlining the cost of repairs if your vehicle is repairable.
After your adjuster confirms your insurance coverage is in order, you can have your vehicle repaired at the auto body shop of your choice.
See our Vehicle insurance coverage section for details.
5. Authorize payment.
Once your vehicle has been repaired, the body shop will ask you to sign a Certification of Repairs form. This form signifies that you're satisfied with the repairs and authorizes SGI to pay the body shop.