Since January 2025, police in Ontario generally only attend the scene of a collision if total damage looks like it's over $5,000, someone is injured, a pedestrian or cyclist is involved, or one of the drivers is uncooperative. Below that threshold, and if everyone involved is cooperating, you're expected to self-report — which means bringing the details to a Collision Reporting Centre within 24 hours rather than waiting for an officer to show up. In Peel Region, Peel Regional Police operates collision reporting for both Brampton and Mississauga, so residents of either city report into the same regional system.
Before you go, gather your driver's licence, your vehicle ownership/registration, your insurance slip (pink card), the other driver's contact and insurance information, and photos of the vehicles, the damage, and the scene itself. Having all of this ready when you arrive makes the report faster and gives you a clean paper trail if you need it later for an insurance claim.
First, reporting to a Collision Reporting Centre is not the same as notifying your insurer. Even if damage is under $5,000 and you're planning to pay for repairs out of pocket rather than file a claim, most policies still require you to tell your insurer that the accident happened — regardless of the damage amount or who was at fault. Second, feeling fine at the scene doesn't mean you weren't hurt. Whiplash and other soft-tissue injuries are extremely common after even minor-looking collisions, and they often don't show up until days later. If that happens to you, a delayed onset of symptoms doesn't disqualify you from claiming accident benefits — it's still connected to the same crash.
A free case review takes one phone call — no cost, no obligation, and your insurer isn't notified.
This is general information, not legal advice — timelines and requirements depend on your specific situation.