Being in a collision is traumatic. It can be difficult to focus on what to do. The first thing to do is call 911 to report the accident. Check and make sure all involved people are not injured. Check to see if there are any witnesses and get them to stay until the police get there. Document as much as you can and take pictures as well. Be sure to get the license plate numbers of all involved vehicles and descriptions of them along with any particulars pertaining to the collision. Do not move any vehicle from the scene until instructed to do so by the police. You must exchange insurance information which is usually done by the police. Never settle anything without reporting the collision and never leave the scene. You could be charged with leaving the scene even if you did not cause the collision. In Ontario, we have “no fault” insurance. It is very important you report the collision to your insurance company to get the claim going. If you are not at fault, the claim will not affect your rates. The “at fault” driver is the one whose insurance will be affected. Keep calm and do not discuss the collision with anyone except the police who are trained to deal with these situations.