Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

What Happens if Another Driver Fails to Report an Accident to Their Insurance Company?

Auto Insurance

By Joanne Lemna | May 10, 2017

Unfortunately, when an accident occurs sometimes the other party isn’t willing to abide by the rules. In a perfect world, we’d all promptly exchange information and then of course notify our insurance broker or company of the situation. But what happens when the other driver fails to report the accident to their insurance provider?

Immediately phone your insurance broker or insurance company and let them know exactly what’s going on. You’re looking at a situation in which you may not have been at fault and yet because the responsible party isn’t going to report it, your insurance company will have to pay. Really the only thing you can do in this circumstance is to keep calm follow procedure and let your insurer handle the details.

Document the Events to The Best of Your Ability

Take photos and write what happened down in as much detail as you can. Do whatever you can to gather the evidence and to keep those details and events as fresh as possible. Fortunately, as we all have a smartphone handy this is pretty easy. You can even start recording videos. This will enable your insurance company to have the documentation they need to pursue the other driver for compensation should that driver be deemed at fault in the accident.

Get The Other Driver’s Info

This may be a bit trickier especially if they refuse to notify their own insurance provider. But gathering as many details and information about the other party as you can is imperative in the event of a crash. If they refuse to provide any information, at least write down a description of their vehicle and their license plate. (Ideally, you’d have their name, phone number, and insurance provider.)

Notify the Police ASAP

As soon as you have been involved in any type of accident, you’re going to want to telephone the police immediately. The police will help to ensure that everyone is safe and that the area where the incident occurred is properly contained and they will also create a police report (this is required for all accidents with damage over $2000). This is vital for your insurer. It’s also further evidence of what happened and may point to who may be at fault.

In the end, if another driver fails to report an accident to their own insurance company yours is going to have to foot the bill. If you have uninsured motorist or family protection coverage, this will ensure you’re covered. However, your insurance company will go after the other driver if possible. Arming your insurer with as much information as possible is going to help them prevail.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.