Getting into a car accident—even a minor fender-bender—can be stressful, confusing, and time-consuming. For most Ontario drivers, visiting a Collision Reporting Centre (CRC) may be necessary at some point in their driving careers. But what exactly is a CRC, when should you go, and what should you expect when you arrive? In this comprehensive guide, we explain everything you need to know about Collision Reporting Centres in Ontario, including when to go, what documents to bring, what the process looks like, and how it affects your car insurance.
What Is a Collision Reporting Centre (CRC)?
A Collision Reporting Centre is a facility operated in partnership with local police services. It allows drivers involved in minor accidents to report the collision without requiring police to attend the scene. These centres are located throughout Ontario and are designed to help drivers complete a police report, take photographs of the damage, and notify their insurer.
Benefits of Collision Reporting Centres
- Reduces demand on police resources
- Helps clear traffic faster after minor accidents
- Streamlines accident reporting for drivers
- Free for drivers — costs are covered by Ontario insurers
When Should You Visit a Collision Reporting Centre?
Not every accident requires a visit to a CRC. Here are the situations where you should go:
- No injuries: If no one involved requires immediate medical attention.
- Minor damage only: If damage appears to be under $2,000, reporting is not legally required but still recommended.
- Drivable vehicles: If your vehicle can be safely driven, or can be towed.
- Police referral: If law enforcement directs you to a CRC after calling them.
- No criminal activity: No signs of impaired driving, illegal activity, or aggressive driving.
You must report your collision within 24 hours of the incident.
What Happens at a Collision Reporting Centre?
Visiting a CRC is a fairly structured process. Here’s what you can expect:
1. Photographs Taken
A staff member or police officer will photograph your vehicle to document the visible damage.
2. Damage Verification
An officer will compare your verbal report and the written form against the damage on your vehicle.
3. Documentation Review
Be prepared to provide:
- Your driver’s licence
- Vehicle registration
- Proof of insurance
- Your contact details
4. Accident Report Form
You’ll complete a Motor Vehicle Collision Report, which includes:
- A written account of the collision
- A hand-drawn diagram of the incident
- Statements from any passengers or witnesses, if available
5. “Damage Reported” Sticker
You’ll receive a sticker to place on your vehicle indicating the damage has been reported. This can help avoid fines if you’re driving with visible damage.
6. Insurer Notification
In most cases, the CRC will send your report directly to your auto insurance company.
What If My Vehicle Is Not Drivable?
If your car can’t be safely driven:
- Call a tow truck: Ensure the driver discloses fees before towing.
- Standard tow fees: In Toronto, expect a flat fee of approximately $166–$188 plus tax, depending on whether you’re on a city street or highway.
- Tow directly to the CRC: Your vehicle must be taken to the CRC from the accident scene without any stops.
Always read and understand any documents a tow truck operator asks you to sign.
Does the Collision Report Automatically Go to My Insurance Company?
In most cases, yes—the CRC sends your accident report to your insurance provider. However:
- If damages are under $2,000 and you do not plan to file a claim, you can request that your insurer not be notified.
- Be cautious: some insurance policies require mandatory reporting, regardless of whether a claim is filed.
- It’s always a good idea to contact your isure broker to report the incident and get advice.
What to Bring to the Collision Reporting Centre
Just gotten into an accident? Before visiting the CRC, collect the following:
- Driver’s licence
- Vehicle ownership/registration
- Proof of insurance
- Contact info for all parties involved
- Witness information (if any)
- Photos of the damage and scene (if possible)
- Accident details (location, time, conditions)
Step-by-Step: What to Do After a Collision
- Stop your vehicle and ensure everyone is safe.
- Call the police or 911 if there are injuries.
- Take photos of all vehicles, the road, and any relevant details.
- Exchange information with the other driver(s).
- Move your car to a safe location if it’s drivable.
- Call your isure broker to notify them of the incident.
How to Find a Collision Reporting Centre in Ontario
There are over 30 Collision Reporting Centres across Ontario, including in cities like Toronto, Mississauga, Ottawa, Hamilton, and Markham. However, not every municipality has a centre.
If you’re in a rural area without a nearby CRC:
- Contact the local police department.
- You may be instructed to visit the nearest police station instead.
Click here to access a full list of Ontario Collision Reporting Centres.
Ontario Collision Reporting Centre FAQs
Can I Get My Collision Report Online?
Yes. You can request your collision report online via ServiceOntario about 20 days after filing. You’ll need:
- Your driver’s licence number
- The collision report number
- The MTO reference number
Fees:
- $12 for an uncertified report
- $18 for a certified report (recommended for legal purposes)
Can I Report the Collision at a Centre Near My Home?
No. You must file the report at a CRC located in the same city where the accident occurred.
How Long Does It Take to File a Collision Report?
The reporting process can take anywhere from 30 minutes to several hours, depending on the time of day and how busy the centre is. Larger cities like Toronto may experience longer wait times compared to smaller towns.
Should I Wait for the Police or Head to the CRC?
- If you’ve already called the police, wait for their instructions.
- If you haven’t, call the local CRC or police station for guidance.
- If the accident involved injuries, call 911 immediately.
Final Thoughts
Visiting a Collision Reporting Centre after a car accident in Ontario is a critical step in ensuring that your incident is properly documented and legally compliant. It also helps with the insurance claims process and protects you against future disputes.
Even if the accident seems minor, reporting it can save you from unexpected complications down the road. Contact your isure insurance broker today to get advice and support on your next steps.
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