What to do after a car accident in Alberta

Car accidents are scary, and they happen all the time. 

According to Alberta Traffic Collision Statistics, there were 95,001 traffic collisions reported in Alberta in 2020. This is why good car insurance (including collision and comprehensive insurance) is so important. 

Whether you’re in a small fender-bender or a serious crash, knowing what to do in advance can help make a terrible situation a little less stressful. 

In Alberta, there are specific steps you should follow to stay safe after a car accident, deal with injuries, and handle insurance matters. This guide will lay out what to do right after an accident, helping you navigate the process smoothly.

What to do following a car accident in Alberta

Every driver on the road should know what to do in case of an accident.

Here are the steps to follow if you’re involved in a crash in Alberta:

1. Stay calm and check for injuries: First, make sure you and others are safe. Check for injuries and call 911 if anyone needs medical help.
2. Move to safety: If it’s safe, move your car to the side of the road to avoid blocking traffic. Turn on your hazard lights.
3. Call the police: Report the accident to the police if there are injuries, if the damage looks like more than $2,000, or if it involves a pedestrian, cyclist, or uninsured driver. If the damage is more than $5,000, you’ll need to file a Collision Report Form
4. Exchange information: Get the names, contact info, and insurance details of the other driver(s). Also, note the make, model, and license plate of the vehicles involved.
5. Gather evidence: Take photos of the scene, the damage to all vehicles, and any injuries. If there are witnesses, get their contact information too.
6. Report the accident to your insurance: Contact your insurance company as soon as possible to report the accident and start the claims process.
7. See a doctor: Even if you feel fine, it’s a good idea to get checked by a doctor. Some injuries might not be obvious right away.
8. Keep records: Keep a file with all the accident-related documents, including police reports, medical bills, and communication with your insurance company.

Read: How long do you have to report an accident?

What if I am injured in a car accident in Alberta?

If you are injured in a car accident in Alberta, you are entitled to accident benefits coverage regardless of whether the accident was your fault. 

Here’s what to do:

1. Get medical help: Even if you think your injuries are minor, see a doctor as soon as possible. Some injuries might not show symptoms immediately.
2. Document your injuries: Keep detailed records of your medical visits, treatments, and any symptoms you experience. Take photos of visible injuries.
3. Follow your doctor’s advice: Make sure to follow the treatment plan your doctor provides, including taking medications and attending follow-up appointments.
4. Notify your insurance company: Report your injuries to your insurance company right away. They will guide you on how to file a claim.
5. Consider legal advice: If your injuries are serious, you might want to consult a lawyer who specializes in personal injury cases.

Vehicle repairs after an Alberta car accident

After a car accident in Alberta, getting your vehicle repaired will likely be top-of-mind. Use a repair shop that’s been approved by your insurance company to ensure the work is done properly and is covered by your policy.

Keep all receipts and documentation related to the repairs. 

If the damage is extensive, your car might be considered a total loss, meaning the cost to fix it is more than the car's value. In this case, your insurance company will discuss providing a payout based on the car’s market value (or possibly its replacement value).

How to deal with the other driver’s insurer

On January 1, 2022, Alberta introduced Direct Compensation for Property Damage (DCPD). With DCPD, you claim vehicle damage from your own insurer instead of the at-fault driver's insurance. DCPD covers the damage you’re not at fault for. 

Also read: What does DCPD mean for Alberta drivers?

If you are at fault, you’ll need to use your collision coverage to cover the damage to your car. If you’re partially at fault in an accident, your vehicle damage claim will be split between your DCPD coverage and your collision coverage.

If you decide to seek compensation from the driver who caused the accident, you’ll need to contact their insurance company. In these situations, it’s a good idea to hire a lawyer to represent you.

If you’re speaking to the other person’s insurer directly, keep a record of all communications, including the names of the people you talk to and what was discussed. They might ask for your version of events and any evidence you have, such as photos or witness statements. It’s important to be cooperative but also cautious. 

Stick to the facts and don't speculate about the accident.

Does an Alberta car accident affect my insurance rate? 

Who caused the accident is a big factor in whether your car insurance rate in Alberta will increase. 

If another driver was at fault, your premiums won’t increase because of the claim. If it turns out you caused the accident and are deemed at fault, the accident will be added to your driving record, and your premiums will likely increase. 

How long do accidents stay on record in Alberta?

In Alberta, accidents stay on your driving record for up to six years. 

Check with your specific insurance provider, as each may have a different policy around the way accidents affect your premiums. Some companies may offer accident forgiveness, which means your first at-fault accident won't trigger an increase in rates.

The bottom line

Being involved in a car accident can be overwhelming, but knowing what to do in advance can make a big difference. By staying calm, following the right steps, and understanding how to handle injuries, repairs, and insurance claims, you can navigate the aftermath of an accident more smoothly. 

Also read: 

• Parking lot accidents: Who’s at fault?
• The top stolen vehicle cities in Canada
• The average cost of home insurance in Alberta