Free Legal Tool
Find out whether your collision must be reported to police, based on Ontario's current $5,000 damage threshold and other mandatory reporting triggers.
Estimate only — not legal advice. When in doubt, report — your insurance policy may require it regardless.* As of January 2025, Ontario raised the mandatory police-reporting threshold from $2,000 to $5,000 in total damage. Your insurance policy may still require you to report any collision, regardless of this threshold.
Raised from $2,000 in January 2025 — the first update to this threshold in over 30 years, reflecting current repair costs.
Even a minor injury requires a police report, regardless of how small the property damage is.
Most policies require you to report all collisions to your insurer, even when police reporting isn't legally required.
Failing to report a collision that meets these thresholds is itself a Highway Traffic Act offence, with its own fine and demerit points.
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</p>Our lawyers help clients navigate collision reporting, insurance claims, and any resulting charges across Toronto and the GTA. Get a free consultation.
Schedule your free consultation. We help clients navigate accident reporting and any resulting charges across Toronto and the GTA.
A calculator is a starting point — for advice on your specific situation, speak with an experienced Ontario lawyer. Free consultation.