Claims | Onlia Insurance

First and foremost, exchange information with the other parties.

1. Information you should collect includes their name, contact details, licence plate number, vehicle information (year, make, model), insurance company name and policy number.
2. Take photos of any damage and the scene.
3. If your car needs a tow, call us and we will help arrange one for you or simply call Tow Network.
4. Report it to the Collision Reporting Centre, preferably within 24 hours but no later than 48 hours.
5. Keep in mind you MUST report to the nearest Collision Reporting Center in the jurisdiction where the collision actually took place, and not the location closest to your home address. You can find a list of locations here.
6. Report your claim to us as soon as possible. You can reach the Claims team at 1-844-472-7901. For non-emergencies you can also email us at claims@onlia.ca - we'll get back to you within 24-48 business hours.

Victim of a hit and run? Complete steps 2-5 above.

You must report a collision to the police if one of the following scenarios apply:

• Uninsured vehicle
• Unlicensed driver
• Criminal activity (e.g. impaired driving)
• Collision involving a cyclist, pedestrian or other vehicle
• When there is a fatality or injury where someone had to be transported to the hospital from the scene of the collision
• When a vehicle is not drivable following a collision that occurred between 12 am and 6 am
• When there’s a vehicle involved that is transporting dangerous goods (e.g. a gas tanker that’s leaking)

• When there’s damage to private, municipal or highway property

Here are some steps you can take in a scenario like this: 

1. Get the driver’s license information of the other driver. If the driver is not willing to provide this, take a photo of the license plate / write it down. 
   
   
2. Take photos of the damage, and of the other car if you can. 
   
   
3. Call the police. Even if the accident is minor, collisions with an uninsured driver must be legally documented.
   
   
4. The police officer may direct you to a Collision Reporting Centre where you will be required to provide all the information you have about the car and the plate number.
   
   
5. Contact us to get your claim started. You can reach the Claims team at 1-844-472-7901.

These scenarios can be stressful, but we’ll work through them together!

Oh no, that sucks! 

There are two scenarios to consider here: 

1. You have no idea who hit you: 
   
   • Report the damage to the Collision Reporting Centre, preferably within 24 hours but no later than 48 hours. 
     
     Keep in mind you MUST report to the nearest Collision Reporting Center in the jurisdiction where the collision actually took place, and not the location closest to your home address. You can find a list of locations here.
   • You can consult My Account to confirm if you have coverage for Collision and take note of your deductible. 
   • Report a claim and we’ll take care of you! You can reach the Claims team at 1-844-472-7901.
2. You have the information of the person who hit you (e.g. they left a note, or there was a witness):
   
   • Same as above.
   • If it is possible to identify the person who hit you, AND they have insurance, we may be able to settle the claim using your Direct Compensation Property Damage coverage, which has a deductible of $0.

 
As some small silver lining, if you are the victim of a hit and run the claim is considered a ‘not at fault’ .

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