Be Prepared Before the Accident
In the unfortunate instance that you are involved in an accident, dealing with the accident will be much easier and less stressful if you are well prepared. Here are some things that you can do right now to ensure you are ready if you happen to have an accident.
- First and foremost, you need to make sure you have the right auto insurance. The last thing you need to worry about in the event of an accident is if you have the right coverage or not.
- Ensure you have all the necessary paperwork on hand. Keep all your registration in the glovebox and all other important documents (like your health card) on hand and easily accessible.
- Make sure your phone is charged so you are prepared to take pictures. Ensure you have access to your MIG Insurance Portal. The portal will be very helpful at the accident scene and throughout the claim process. You will be able to reference your vehicle registration and have direct access to claims numbers.
- Everyone knows that when you get into a crash you need to exchange details with the other driver. But, if you’ve been in an accident you’ll likely be shaken and not thinking clearly. Print and keep some accident report forms in the glove box of your car, so you don’t forget what information you need to obtain.
After the Accident
Accidents can be stressful events. You will likely be shaken and be asking a number of questions: Do I call the police? Do I move my car? What information do I share with the other driver? Immediately following a car accident, consider taking the following actions:
- Do a safety check and check yourself for injuries. If you are injured, call 911 or ask someone else to do so.
- If you're not seriously injured, you need to check to make sure your passengers are okay. If your passengers are injured call 911 or as someone else to do so.
- If you are able to drive your car, move it to a safe location, but do not leave the scene of the accident.
- Wait for assistance. Turn off your engine, turn on your hazard lights and set road flares to warn other vehicles to slow down.
Documenting the Accident
It is really important in the event of an accident that you protect yourself by documenting what happened. Also, you may feel compelled to admit fault or reveal information about your auto insurance, but it's important to limit conversation about the accident. Only discuss the facts with the police and your autopac claims representative.
You should start to collect the following information:
- Use your MPI accident report form to jot down the names, phone numbers, addresses and other important details of the other driver.
- Also try to jot down the contact info of any other occupants and witnesses.
- Make sure to get the exact location of the accident.
- Use your phone to take photos of the accident and other vehicles involved.
- If the police respond to the scene get the police report number, phone number, officer name and badge number, etc.
Reporting Your Claim
To report your accident, call MPI directly:
- within Winnipeg: 204-985–7000.
- outside of Winnipeg (toll-free): 1-800-665-2410
- out-of-province (toll-free): 1-800-661-6051
If you’re claiming damage, a representative from MPI will take a preliminary report from you. At the same time, the representative will make an estimate appointment for you.
When reporting the accident, you’ll need this information:
- vehicle registration and the driver’s licence of whoever was driving your vehicle
- the details about the accident (where, when and how it happened)
- the details about any other vehicles and drivers involved
- information about any witnesses
If your vehicle can’t be driven because of the damage, MPI will arrange for it to be towed to our compound where we’ll estimate the damage.
Evaluating & Repairing Your Vehicle Damage
Once you begin your report your claim to MPI over the phone, you will need to get an estimate at an approved service centre. When at the service centre, an MPI estimator will assess the damage of your vehicle and take note of the repairs that are needed.
You will then be provided with a repair form that you take to the repair shop of your choice to get your vehicle repaired. It is important to note that MPI does not recommend repair shops, but does refer customers to a list of accredited repair shops. You will have to ask an MPI representative for this list if you require it.
Having a car accident is not a pleasant experience and can be a traumatic event, but being prepared and knowing what to do ahead of time will help to ease some of the stress involved.
If you have any questions please do not hesitate to contact us at (204) 813-1036.