Essential Steps for Cyclists Involved in Car Accidents in Ontario
Cycling offers numerous benefits, but it also carries inherent risks, especially when sharing the road with motor vehicles. Understanding the appropriate actions to take following a car accident is crucial for your safety and legal rights.
Immediate Actions Post-Accident:
Ensure Safety: If possible, move to a safe location away from traffic to prevent further injuries. If you're unable to move due to injuries, remain as still as possible and wait for emergency services.
Call Emergency Services: Dial 911 to report the accident. Even if injuries seem minor, it's essential to have a police report for legal and insurance purposes.
Seek Medical Attention: Regardless of injury severity, seek medical evaluation promptly. Some injuries may not be immediately apparent.
Gather Information: Collect details from all parties involved, including names, contact information, driver's license numbers, license plate numbers, and insurance details. Document the accident scene with photographs and note any witness information.
Report the Accident: If the collision resulted in injuries or property damage exceeding $2,000, report it to a Collision Reporting Centre. In Toronto, the Cyclist/Pedestrian Collision Reporting Centre operates Monday to Friday from 11 a.m. to 7 p.m.
Understanding the Claims Process:
After a cycling accident, you may be entitled to accident benefits, including medical and rehabilitation expenses, income replacement, and other support. Filing a claim involves:
Reporting the Accident: Notify your insurance company promptly, providing all necessary details.
Medical Documentation: Ensure all medical treatments and assessments are documented, as this information is vital for your claim.
Legal Consultation: Consider consulting a personal injury lawyer experienced in cycling accidents to navigate the claims process effectively.
Cycling Accident Statistics in Ontario:
Cyclist safety remains a significant concern in Ontario:
Fatalities: An average of 74 Canadians die in cycling collisions each year; 73% of those incidents involved a collision with a motor vehicle.
Injuries: In Toronto, there were 2,362 cyclist injuries (minor, major, and fatal) reported by the Toronto Police Service for all cyclist collisions, both motor vehicle-related and non-motor vehicle-related.
Underreporting: Studies indicate that police data may underreport cyclist injuries, with health services data showing over 30,000 emergency department visits for cyclist injuries between 2016 and 2021, compared to 2,362 reported by the Toronto Police Service.
Common Pitfalls to Avoid:
Delaying Medical Attention: Even minor injuries can have long-term effects. Prompt medical evaluation is essential.
Not Reporting the Accident: Failing to report the accident can hinder your ability to claim benefits.
Inadequate Documentation: Lack of detailed records and evidence can weaken your claim.
Ignoring Legal Advice: Navigating the claims process can be complex; professional legal guidance is beneficial.
By following these steps and being aware of common pitfalls, you can better protect your rights and well-being after a cycling accident in Ontario.
