What to do when your road trip crashes

Sometime between that first sunny day that slushes up the streets in late winter and that final school bell in June that announces summer is officially here, you’re probably going to feel the call of the open road. Whether you’re heading to a music festival, taking off for that coast-to-coast road trip you’ve always dreamed of or packing up the whole family for a trip to Disneyland, nothing beats a summer road trip. But what if it all goes wrong and you wind up in a car crash? What should you do?

The good news is that, while insurance laws can be different while in other provinces or the United States, the process you go through to report a claim to your insurance company stays the same no matter where you are:

  1. At the scene, exchange licence and insurance information with other drivers. Take pictures of any damage and be sure to note the date, time and location. Ask for contact information for any witnesses.
  2. Report the accident to the police. If officers are not called to the scene of the accident, be sure to visit a station to file a report.

  3. Contact your insurance company with details about the incident, your insurance policy number and the police file number if you’ve filed a report. AMA Insurance customers are provided with 24-hour claims service either by calling 1.888.426.2444 and can also file a claim online.

  4. If you have full coverage on your car, you can also opt to have your auto insurance policy protect you in case of collision while driving a rental car by adding additional coverage. Speak to your insurance advisor for more details.

Once you’ve reported the claim, you’re likely going to want to get on with your vacation. If you’ve chosen to add optional “loss of use” coverage to your vehicle’s insurance policy, you can even get coverage for a rental car until your car is ready to get back on the road. That way the kids will still get to meet Goofy, and you won’t miss that headlining set.

If you’re planning on a summer road trip, it’s a good idea to check in with your insurance advisor before you leave to make sure that you’re covered for the situations you want to be protected from.


Since 1962, AMA has been providing reliable auto insurance to Albertans. We are proud of our strong Alberta roots and our history of protecting what matters most to you.