How to File a Car Insurance Claim with TD

If Your Car Has Been Damaged:

Safety Tips…

  • Pull over to a safe spot and ensure that there are no injuries to you or anyone else in your vehicle. If you see that someone is injured, do not move them.
  • Call 911 if there is an injury and stay calm.
  • Make sure people in the other car are also alright – if not, then call 911
  • Make sure you know where you are.

If Your Car Is Still Driveable:

  1. Move your car off to the side of the road as a safety measure. If it is safe and possible to do so, gather any materials that may have fallen off during the accident, like your bumper.
  2. Take pictures of the scene and any damage caused by it. This will help to get a faster, more accurate assessment of damage and speed up the claims process.
  3. Call the police.
  4. For situations that apply, exchange information with the driver of the other car involved. Having this information will help speed up the claims process.

    DETAILS YOU SHOULD GET:

    • Name
    • Address
    • Telephone number
    • Driver's licence number
    • Insurance information
    • licence plate number
  5. Call TD Insurance and inform them that you wish to make a claim. You will need to provide information and details about the accident. An advisor will advise you on next steps.
    TIP: You can call TD Insurance to report your claim directly from the TD Insurance Mobile App or the TD MyAdvantage App. You can also start a claim from the TD Insurance Mobile App.

If Your Car Is Not Driveable:

  1. Call the police.
    Note: DO NOT accept offers from tow truck drivers that offer to take your car somewhere.
    • Sometimes tow truck drivers will charge unnecessary fees and will not release your car until legal action is pursued or until you pay them.
  2. Take pictures of the scene. Taking pictures will help to get a faster, more accurate assessment of damage and speed up the claims process.
  3. Always walk or stay on the side furthest away from the road (usually the passenger side). Your safety is important.
  4. Exchange information with the driver of the other car involved in the accident. Having this information will help speed up the claims process.

    DETAILS YOU SHOULD GET:

    • Name
    • Address
    • Telephone number
    • Driver's licence number
    • Insurance information
    • licence plate number
  5. Call a loved one (or a taxi). If your car is not driveable, your car will be towed and you will most likely need a ride home or to another location. More details around what to do with your car can be found below in the Claims Process section.
  6. Call TD Insurance and inform them that you wish to make a claim. You will need to provide information and details about the accident. An advisor will advise you on next steps.
    TIP: You can call TD Insurance to report your claim directly from the TD Insurance Mobile App or the TD MyAdvantage App. You can also start a claim from the TD Insurance Mobile App. 

About TDI Auto Centres

If you are a TD Insurance customer and you wish to make a claim, you can take your vehicle to the nearest TD Insurance Auto Centre for your repairs. TDI Auto Centres provide a holistic experience to the claims process, which means you can speak to a claims advisor, get your vehicle repaired, and get a rental* all in one place.

*Note: You may receive a rental for no extra cost if it is included in your policy. If it is not included in your policy, you may still rent a vehicle from the TDI Auto Centre, but you will incur a charge.

Check the claims page to see where the nearest TDI Auto Centre is.

About Our Preferred Shops

If you do not have a TDI Auto Centre located near you, you may take your vehicle to one of our "preferred shops." We have over 500 auto shops in our network and at the time you call to make a claim, we can find one at a convenient location for you.

Claims Process

  1. Call us to start a claim. We're always ready to help you – 24 hours a day, 7 days a week.
  2. TD Insurance will assign a dedicated Claims Advisor to you and will go over details of the accident.
  3. Book an appointment at the nearest TDI Auto Centre (auto shop plus claims centre). If you choose not to go to a TDI Auto Centre, or if a TDI Auto Centre is not near you, ask your Claims Advisor for preferred shops in your area. Keep in mind, with this option, your vehicle repairs and rental car pick-up may be in separate locations.
  4. Depending on what you choose, take your car to the nearest TDI Auto Centre, one of our preferred shops, or to a trusted mechanic to be looked at. If your car is not driveable, and depending on location, instruct the tow truck driver where to take your car.
    • Try to avoid letting the tow truck driver take the vehicle to their lot (more fees).
    • DO NOT sign any documents other than the Police Report
  5. Your Claims Advisor will call to go over or gather any additional information, such as:
    • Who was driving
    • Circumstances of accident
    • Coverages (including deductible)
    • Endorsements on your policy
    • Contact information and the best way to reach you
    • Whether you have accepted or declined a preferred body shop close to your location (other than TDI Auto Centre) provided by your claims advisor (work guaranteed for life of vehicle as long as you are insured with TD)
    • Rental coverage
    • If the vehicle was towed or not (and where it was towed)
    • Loss type – at fault or not at fault
    • If there were any passengers or injuries (accident benefits)
    • If there were car seats
  6. File a Police Report within 24 hours, if applicable.
  7. Have your vehicle looked at. There are 3 ways to do so, depending on your situation:
    • Go to the TDI Auto Centre for your scheduled appointment
    • Go to the preferred body shop for the scheduled appointment we booked with you
    • If you have chosen to go to your own auto shop*, a TDI Appraiser will assess your vehicle
      • Claims advisor will receive appraisal update sometime after the claim has opened
  8. Book an appointment for repairs directly with the body shop
    • Repairs depend on body shops, their capacity and the type of damage done
  9. *Note: If you do not go to a preferred shop, it may take longer to get the appraisal and/or complete other steps.