What just happened, and what to do next
The most common ways cars arrive at the shop, each with the next hour, the repair, and the insurance reality spelled out.
- Rear-ended on the 401Rear-ended on the 401? Get off the live lanes first, then photos, details and a Collision Reporting Centre. What the hit does behind the bumper cover.
- Bumped in DVP stop-and-go trafficTapped in DVP crawl traffic? Where to pull off when the parkway has no shoulder, what a low-speed bump breaks, and whether it is worth a claim at all.
- Scraped a condo parking-garage pillarYellow paint down the door from a P2 pillar. What the scrape did to the panel, when polishing works, and whether a single-vehicle scrape is worth a claim.
- Scraped the car on a snow windrowThe plow left a windrow across your driveway and the car went through it. What packed snow tears off underneath, and why a winter scuff should not wait.
- Hit a pothole and something’s bentAfter a hard pothole strike: check the sidewall first, then the steering. What bends — rims, tie rods, control arms — and how a pothole claim really works.
- Door ding in a shopping-mall lotCame back to a fresh door ding at the mall. What to photograph before you drive off, when dent removal works without paint, and whether to claim it.
- Hit while parked on the streetCame out to a mirror hanging off and nobody around. What to photograph, why a police report matters, and how a hit-and-run claim works in Ontario.
- Hit a deer north of NewmarketA deer strike on Davis Drive or the 404 north end. What to do on a dark shoulder, what it does to the front of a car, and why it is a comprehensive claim.
- Slid on black ice into a curbAfter a black-ice slide into the curb: what to check before you drive off, what a curb strike bends underneath, and why the car gets measured, not guessed at.
- Sideswiped merging onto the 404Sideswiped on the ramp at Highway 7. Where to stop, what a scrape across three panels really costs, and how fault gets decided when both drivers merged.
- Rideshare car needs body workUber and Lyft body damage in Toronto: what to check before your next shift, how we time the repair around your driving week, and which policy pays.
- Lease is ending and the car has dingsLease-return dings, scuffs and curb rash in the GTA: how the inspector decides what is chargeable, what we repair first, and why it is not an insurance claim.
- Hail storm left dents on the roof and hoodHail dents on the roof, hood and trunk after a York Region storm: how to document them, why paintless removal works, and how the comprehensive claim runs.
- Someone keyed the carA keyed door in Toronto: how to judge the depth, why polish makes it worse, how the panel is refinished, and how a comprehensive vandalism claim runs.
- Shopping cart rolled into the doorA runaway cart dented your door in a GTA lot. What to do before you leave, whether the dent can come out without paint, and who ends up paying for it.
- Scraped the garage door frameScraped the side of the car on your garage door frame? What to check first, what the open-door version damages, and whether it is worth a collision claim.
- A branch fell on the car in a stormA limb came down on your car overnight. Lift it, do not drag it — then glass, water and metal in that order, and a comprehensive claim with your deductible.
- Side mirror knocked offA side mirror torn off on a narrow Toronto street: what to do at the roadside, why the right part matters, and when a mirror is worth an insurance claim.
- Rust bubbles on the wheel archPaint blistering over a wheel arch means the metal is already going. What to check, what a cut-and-weld repair involves, and why no policy will ever cover it.
- Rocker panel rotted by road saltTen GTA winters of brine rot a rocker from the inside out. How to find the real edge of it, what a proper cut-and-weld repair takes, and why no policy pays.
- Cracked bumper cover from a curbCaught a curb and cracked the bumper cover? How to check it in the parking spot, when plastic repair beats replacement, and whether to claim it.
- Low-speed collision in a parking lotTwo cars touched in a mall lot. What to record before anyone drives away, how Ontario fault rules treat lot collisions, and what the damage really is.
- Child seat was in the car during a collisionA car seat was in the vehicle during a crash. When makers say to replace it, how it usually goes on the claim, and what we check around the anchors.
- Parking sensor warning after a bumper hitA sensor or camera warning lit up after a bumper knock. The five-minute check, what usually causes it, and why recalibration may be required.
- Need a car while yours is in the shopWhere rental coverage comes from in Ontario, why the rental should start at drop-off instead of at the crash, and what to do with no coverage at all.
- First scratch on a brand-new carThe first scratch on a brand-new car: dealer coatings and film, damage found at delivery, what a repair means for the warranty, and whether to claim.
- Selling the car after a collision repairPrivate sale in Ontario needs a UVIP. What to disclose, the folder of paperwork that protects your price, and what to fix before the listing photos.
- EV in a collisionAn electric car has been hit. What to watch for in the first hour, why underbody strikes mean a battery inspection, and how the repair actually differs.
- Car won’t drive after the accidentThe car cannot move. Who to call at the roadside, why you choose where it is towed, and how daily storage fees make a slow decision expensive.
- Crash in cottage traffic on the 400Hit in Friday traffic heading north. Where to report when you are far from home, how a photo estimate works from the cottage, and timing the tow.
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