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 Thamesville 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 Thamesville can be gruelling, especially when you need to drive to work every day! 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.

Pay attention to the individuals involved in the accident. If you or anyone else appears injured, call 911 immediately. Even if you only think injuries are minor, seeking immediate medical attention rules out the possibility of it being more serious. 

Pictures illustrate what words cannot. By taking pictures, you can obtain all the information you need in a fraction of the time it would take you to write it all down. While you may need to write all this information out at the collision centre, pictures can minimize the amount of time you spend on an accident scene. 

• Damages 

Take pictures of the vehicle and property damage as a reference for both yourself and the insurance company. These pictures can be snapped quite quickly and typically generate a lot of information in regards to the accident. 

• Licenses 

A driver’s license contains three key pieces of information: the license number, the full name, and the address. These are three pieces of information needed at the collision centre and by insurance companies. Exchanging a picture of insurance is a quick and simple way to capture this information. 

• Insurance 

Following just about every single accident, drivers need to swap insurance information. Each driver should provide the make, model, and year of their vehicle, along with their provider and policy number. All of this information can be found on your insurance slips. 

• Specifics 

Document the specifics of your accident. Specifics include simple variants, like time, date, and location, as well as more subjective variables, including weather, traffic, and road conditions. Each of these can help depict a more accurate image for insurance companies when it comes time to make a claim. 

Accidents must be reported whenever damages exceed $2,000 combined. You need to report accidents when you want to go through insurance, even if the cost is under $2,000 total. By law, any reporting needs to take place no later than 24 hours after the accident. Reporting an accident maintains accountability and is controlled by provincial lawmakers. 

Reporting takes place at a provincial reporting centre. The centre will have you fill out an accident report sheet, then check out the damage to your vehicle which will result in a report being sent to your insurance company. At this point, you can file a claim with your insurance company and get damages checked out by your mechanic for an estimate. Note that to get to the collision centre, you likely should not drive your car. Instead, elect to call a tow truck and a friend to get you and your vehicle to the centre. 

The closest collision centre to Thamesville is located in Chatham, Ontario, at: 24 3rd St, Chatham, ON N7M 5K5.