What to do while you are still with them
Get the information no matter what they promise. Name, address, plate number, and a photo of their driver’s licence and the vehicle itself. People who swear they will pay you directly on Monday are routinely unreachable by Tuesday, and without those details there is nobody to pursue.
Involve police. An uninsured driver will push hard to keep this off the books, which is precisely why the record matters — Ontario makes insurance compulsory, with first-offence fines running $5,000 to $25,000, and the report documents both the collision and the missing coverage.
- A photo of their licence, their plate, and the vehicle itself
- Their name, address, and phone number written down separately
- The report number and which police service took it
- Photos of both vehicles before anything moves
- Witness names — they matter more when one party may vanish
Which of your coverages actually pays
DCPD is built around the other vehicle carrying Ontario insurance, so an uninsured driver takes that route away. What remains: every Ontario policy includes uninsured automobile coverage, which can respond to vehicle damage caused by an identified uninsured driver, and your own collision coverage, which responds regardless of who the other driver was.
Which one applies, and on what terms, depends on your policy — so call your insurance company or broker with the report number in hand and let them route it. Either way the loss records as not-at-fault, and your insurance company can pursue the uninsured driver personally for what it pays out.
- Uninsured automobile coverage — on every Ontario policy
- Collision coverage, and the deductible attached to it
- OPCF 20 loss-of-use, if you need a rental during the repair
- Towing and roadside coverage you may already be paying for
- The claim number, once your insurance company opens the file
Getting the car repaired properly
The repair standard does not drop because the other driver had no insurance — the car still gets restored to its pre-accident condition. Teardown precedes the final estimate, structural damage gets measured against factory specification, and the refinish blends into the surrounding panels.
What changes is the paperwork. When your insurance company intends to pursue an uninsured driver for recovery, a thoroughly photographed file supports that effort — so we document teardown findings and every supplement with images and keep the whole record available to you.
Where to start
Send three photos for a free written estimate, and include the report number if you already have it. Knowing the repair figure early tells you whether this is worth a claim or whether it sits too close to a deductible to bother.
We accept every insurance company and meet your adjuster at the shop, off Keele just south of Sheppard. If the car cannot be driven, call (647) 594-3401 and we help arrange the tow — you should not be paying storage while an uninsured driver stops answering the phone.
