Vehicle Type: The year, make and model of your vehicle will be considered by auto insurance companies when calculating the premium.

Vehicle Use: The way you drive your vehicle, how often and your driving habits can all play a role in the insurance rate you will pay.

Postal Code: The more populated, urban areas in Peterborough often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

The Driver’s Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers .

Anti-theft Devices:Any equipment or tools that can help prevent theft to your vehicle can lower your insurance premium.

Winter Tires: The winters in Peterborough can see a lot of snowfall and makes it hard to drive in every day as you commute to work! Not only is it imperative for your safety to have winter tires installed in the winter months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

Before you worry about your vehicle, be 100% sure that everyone is safe. If anyone appears to be injured, you should call for medical attention as soon as possible. Even minor injuries can develop after the shock wears off. Take all the necessary steps to ensure the health and safety of all those involved before proceeding to the next steps. 

Documenting the aftermath of the accident is critical if you want to file an insurance claim. One way you can do this is by taking pictures – lots of pictures! There are four things you need to pay specific attention to when documenting the aftermath of a collision: 

• Damages 

Take a variety of pictures of the damages to all vehicles. Images are a great way to accurately document any external vehicular damage. A picture also shows the extent of damage to each vehicle. It is a good idea to document damages to both vehicles to make certain there is a clear record. In the photos, it is a good idea to note the car make, model, and year of each vehicle involved. 

• License 

Take a picture of the driver’s licenses for each individual involved. You can avoid jotting down things like name, license number, and address all with one picture. Exchanging pictures of each other’s licenses also proves that you remained on-scene following the accident in case someone were to suggest otherwise. 

• Insurance 

Take a picture of each other’s insurance slips. This is a good way to prove that your car is insured and you can pay for the damage. Secondly, this is a good way to establish a connection between you and the other driver(s) in case they become unreachable by whatever contact information they gave you. 

• Conditions 

Jot down the conditions when the accident happened. This note should include information like the weather, location, time, and road conditions of the accident. If there are any witnesses, get their information, as well. 

You need to report an accident to the police if the accident damage appears to exceed $2,000 combined. Reporting to the police can be done by visiting a collision center, though they need to be reported within 24 hours. 

Getting to the collision center is not complicated, but the correct steps need to be taken. Typically, it is not recommended to drive to the collision center in a car that was just in an accident. You may have invisible damage that impacts the way your vehicle drives, as well as the safety of those around you. You and your car should separately make their way to a collision center by way of a tow truck and friend/taxi driver. 

500 WATER STREET PETERBOROUGH, ONTARIO K9J 7Y4 

Telephone: 705-741-4400 

Fax: 705-741-4485 

Email: [email protected] 

Hours: Monday – Friday: 10:00 AM – 6:00 PM, Saturday – 10:00 AM – 4:00 PM