We’re here to protect your best interests.

Should you need to make a claim, please call us first. We’ll ensure that your needs are addressed quickly. Depending on the circumstances, we may also discuss the pros and cons of making a claim before involving the insurance company.
 
Business hours:
Mon – Fri, 8:30 am to 4:30 pm.
Call: 416-487-5678

HOW TO REPORT A CLAIM AFTER REGULAR OFFICE HOURS

If it’s outside regular business hours and you feel a claim must be called in immediately, contact your insurer at their telephone number below:
  • Dominion of Canada Insurance –1-(800) 661-5522
  • Economical Mutual Insurance Group – 1-(800) 607-2424
  • Great American Insurance Companies
  • Jevco Insurance Company - 1-(866)-864-1112
  • Nordic Insurance Company of Canada 
  • Perth Insurance Company – 1-(800) 607-2424
  • Waterloo Insurance – 1-(800) 607-2424
  • Unica Insurance Company – 1-(866) 864-1112

IN THE EVENT OF A CLAIM

  • REMAIN CALM.
  • THE MOST IMPORTANT THING IS THAT ALL PERSONS INVOLVED ARE SAFE.
  • CALL EMERGENCY SERVICES, IF REQUIRED.
  • ENSURE THAT YOUR PROPERTY IS SAFE. THIS POINT CANNOT BE STRESSED ENOUGH! IT IS YOUR PROPERTY AND THEREFORE YOUR RESPONSIBILITY.
  • CALL WAUGH-DANE PROMPTLY TO ALLEVIATE ANY PROBLEMS CONCERNING YOUR POLICY COVERAGE.
  • CLAIMS INVOLVING BODILY INJURY MUST BE REPORTED IMMEDIATELY. IN SUCH CASES A TELEPHONE REPORT IS A MUST FOLLOWED BY A WRITTEN REPORT. CLAIMS INVOLVING COLLISION OR PROPERTY DAMAGE SHOULD BE MADE WITHIN 48 HOURS. NOTICE CAN BE GIVEN BY TELEPHONE OR WRITTEN REPORT.
 

What happens after an Accident?

TIME LIMITS 

If you've been involved in a collision that may result in a claim, contact your insurance representative as soon as possible. You must notify your insurer as soon as possible (some policies specify within seven days) about any accident involving the automobile:
 
that must, by law, be reported to police; or
for which you intend to make a claim under the policy.
 
Most policies state that a written declaration ("proof of loss") must be made within 90 days of the accident. If you don't make your claim within this time, your insurance company may not be legally bound to honour your claim. In practice, however, most companies will honour a claim made within one year if there is a reasonable explanation of the delay.
 
If you are making a claim against another driver, you should notify him or her as quickly as possible. It's also a good idea to notify the other driver's insurance company of the claim yourself; don't assume that the other driver has done so.
 
In the unlikely event that you intend to sue your insurer, check your contract for any time limits that may apply.

PREVENTING FURTHER LOSS 

If you are involved in a collision, you are responsible for protecting your vehicle from further loss or damage. The insurer, however, will pay for the damage if you have purchased Collision or All Perils coverage. You must not order repairs, other than those needed for protection of the vehicle from further loss or damage, until the insurer has consented or has had a reasonable amount of time to inspect the damage.
 
You cannot simply abandon a wrecked vehicle to the insurer without the insurer's consent. However, when your insurer has replaced or paid for a wrecked vehicle, the wreck or whatever is left of it (salvage) belongs to the insurer.
 
You must not voluntarily assume liability (responsibility) for any collision or settle any claim, except at your own cost. 

CLAIMS ADJUSTER

Once your insurance company has been advised, a claims specialist – an "adjuster" – will be assigned to look after your claim. The amount you receive for your claim will depend on the type of coverage you bought. The adjuster's job is to determine the facts relating to the claim and the extent to which the claim is covered by insurance. The adjuster, who is paid by the insurance company, also attempts to reach an agreement with the other people involved regarding the amount of their loss and extent of their responsibility.

OUR CONTACT INFO

  • TEL:   (416) 487-5678 
  • TOLL FREE:   1-800-229-3622 
  • EMAIL:   This email address is being protected from spambots. You need JavaScript enabled to view it.
  • MAIL: Suite 3, 1089 Kingston Rd. Scarborough ON.
    M1N 4E4 

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