Honda Collision in Ontario 2026: What to Do in the First 24 Hours (DCPD + Accident Benefits + $5,000 Threshold)
As of January 1, 2025, Ontario raised the collision reporting threshold from $2,000 to $5,000. That means a fender bender under $5,000 with no injuries does not require a police report or a trip to a Collision Reporting Centre — just exchange information and report to your insurer. But for anything over $5,000, or any collision with an injury, you have a 24-hour window to file the report. Here is the exact 5-step process at the scene, what DCPD actually means, how Statutory Accident Benefits work, and the 7 most common mistakes GTA Honda owners make after a collision.
1. The 2025 update: $5,000 threshold
Ontario's collision reporting threshold was raised from $2,000 to $5,000 on January 1, 2025, by the Ontario government. The threshold applies to the COMBINED damage to all vehicles and property involved, not per vehicle. The change was driven by inflation in repair costs (Honda OEM body parts have risen 20-40% over the past 5 years) and the increasing complexity of modern vehicles (sensor calibration, ADAS recalibration, etc.).
What the $5,000 threshold means in practice:
- Damage $5,000 or less, no injuries: No police report required. No Collision Reporting Centre visit required. You still should exchange information with the other driver, take photos, and report to your own insurance company for your DCPD claim.
- Damage over $5,000, no injuries: You must visit a Collision Reporting Centre within 24 hours and file an official collision report. You do not need to call 911 (unless another condition below applies).
- Any injury or death: Call 911 immediately. Do not move the vehicles. Police will attend the scene and you will file the report with the officer.
- Government vehicle involved: Call 911 immediately, regardless of damage amount.
- Uninsured driver: Call 911 immediately. You will also need to claim through your uninsured motorist coverage or the Motor Vehicle Accident Claims Fund.
- Criminal act (impaired, hit-and-run, road rage): Call 911 immediately.
2. The 5-step process at the scene
Whether the damage is $500 or $50,000, the first 30 minutes after a collision matter. Here is the 5-step process every GTA Honda owner should follow:
Step 1: Stop and check for injuries
You are legally required to stop. Failing to stop is a Criminal Code offence ("fail to stop at the scene of an accident") and carries up to 5 years imprisonment if someone is injured, or up to 10 years if someone is killed. Turn off your engine. Check yourself, your passengers, and the other driver for injuries. Call 911 if anyone is hurt.
Step 2: Move to safety
If the collision is minor and the vehicles are driveable, move them out of the traffic lane to a safe location (nearby parking lot, side street, shoulder). If the vehicles cannot be driven, turn on your hazard lights and exit the vehicle to a safe area. Place flares or reflective triangles 30 metres behind the vehicles if you have them.
Step 3: Exchange information with the other driver
Exchange the following with the other driver(s):
- Full name, address, and phone number
- Driver's licence number and province/state of issue
- Vehicle make, model, year, and VIN (or last 8 digits)
- Licence plate number and province/state of issue
- Insurance company name and policy number
- Email address (for sending photos and follow-up)
Step 4: Document the scene
Use your phone to take photos of:
- All four corners of each vehicle (including the licence plate)
- Close-ups of the damage on each vehicle
- The overall scene (intersection, road conditions, traffic signs)
- Skid marks, debris, fluid leaks, broken glass
- The other driver's licence and insurance slip (front and back)
- Witnesses (if any) - get their names and phone numbers
Step 5: Report the collision (police, CRC, or just your insurer)
Based on the conditions in section 1:
- Call 911 if injury, death, government vehicle, uninsured driver, or criminal act
- Visit a CRC within 24 hours if damage over $5,000 and no police at scene
- Report to your own insurance company within 7 days regardless of damage amount if you intend to file a claim
3. Collision Reporting Centres (CRCs) in the GTA
A Collision Reporting Centre is a designated facility where you file a police report when the damage exceeds $5,000 but no police attended the scene. CRCs are operated by or contracted through your local police service. They are open 7 days a week, typically 8 AM to 8 PM (varies by location).
GTA CRC locations (July 2026)
| City | CRC location | Phone |
|---|---|---|
| Toronto (downtown) | 81 College Street (Toronto Police HQ - lobby) | 416-808-2222 |
| Toronto (north) | 2120 Martin Grove Road | 416-808-2222 |
| Toronto (east) | 50 Coxwell Avenue | 416-808-2222 |
| Toronto (west) | 2050 Eglinton Avenue West | 416-808-2222 |
| Mississauga | 100 City Centre Drive, Drop Zone 2 | 905-615-3711 |
| Brampton | 7750 Hurontario Street | 905-453-2121 |
| Vaughan | 2700 Rutherford Road (York Region) | 1-866-876-5423 |
| Markham | 17250 Yonge Street (York Region) | 1-866-876-5423 |
| Richmond Hill | 171 Major Mackenzie Drive West (York Region) | 1-866-876-5423 |
| Oakville | 95 Oak Walk Drive (Halton Region) | 905-825-4777 |
| Burlington | 2050 Brant Street (Halton Region) | 905-825-4777 |
| Hamilton | 155 King William Street (Hamilton Police) | 905-546-4925 |
To find your nearest CRC, call Toronto Police Service non-emergency 416-808-2222 (Toronto only) or your local police service non-emergency line. You can also use the Ontario Ministry of Transportation's online reporting tool for some non-emergency situations.
4. What to bring to the CRC
When you visit a Collision Reporting Centre within 24 hours of the collision, bring:
- Your driver's licence (or other government-issued photo ID if your licence was lost in the collision)
- Your vehicle ownership (registration slip)
- Your insurance policy information (policy number, insurer name)
- The other driver's full information (name, address, phone, licence number, plate number, insurance)
- Photos of the damage and the scene
- Witness contact information (if any)
At the CRC, a police officer or designated reporter will:
- Take a written statement from you about the collision
- Photograph the damage to your vehicle (and the other vehicle if brought to the CRC)
- Issue a collision report with a 9-digit Event Number (EO#)
- Provide a copy of the report to you (and the other driver, if present)
The Event Number is what your insurance company needs to process your DCPD claim. Without it, your claim may be delayed or denied. Keep the report in your glove box or take a photo of it.
5. DCPD — Direct Compensation for Property Damage
DCPD stands for Direct Compensation for Property Damage. It is Ontario's no-fault insurance system for property damage claims, introduced in 1990 to reduce court congestion and speed up payouts. Under DCPD:
- You claim damage to your vehicle from YOUR OWN insurance company, not from the at-fault driver's insurer
- DCPD applies regardless of who caused the collision
- DCPD covers damage to your vehicle and its contents, but NOT injuries (injuries are handled separately under SABS)
What DCPD covers
- Damage to your vehicle (repair or actual cash value if totaled)
- Towing and storage charges
- Personal belongings damaged in the collision (up to your policy limit, typically $1,000-$5,000)
- Rental car coverage (if you have it on your policy)
What DCPD does NOT cover
- Your injuries (handled under SABS / accident benefits)
- Damage to your vehicle if the other driver is uninsured (use uninsured motorist coverage)
- Damage to your vehicle if the other driver is from out of province (depends on the province and your policy)
- Damage that occurred in a hit-and-run (use unidentified motorist coverage)
How DCPD claims work in practice
- Report the collision to your insurance company (typically within 7 days, but the sooner the better)
- Provide the Event Number from your CRC report (if applicable)
- Your insurer assigns an adjuster who inspects the damage and prepares an estimate
- You choose your repair shop (see section 7 below)
- Your insurer pays the repair shop directly (minus your deductible)
- You pay your deductible ($500-$2,000 typical) and the insurer reimburses you if you were not at fault
6. Statutory Accident Benefits (SABS)
Accident benefits are medical, rehabilitation, income replacement, and other benefits you are entitled to under your own auto insurance policy, regardless of who caused the collision. They are governed by the Statutory Accident Benefits Schedule (SABS) under the Ontario Insurance Act.
Standard accident benefits (2026 limits)
| Benefit | Standard limit | Catastrophic injury limit |
|---|---|---|
| Medical & rehabilitation | Up to $65,000 | Up to $1,000,000 |
| Attendant care | Up to $36,000 | Up to $1,000,000 |
| Income replacement (first 104 weeks) | 70% of gross weekly income, max $400/week | $400/week for first 104 weeks, then $250/week |
| Caregiver benefit | Up to $250/week for first 104 weeks (if caregiver loses income) | Up to $250/week for life |
| Housekeeping / home maintenance | Up to $100/week | Up to $100/week for life |
| Death benefit (spouse) | $25,000 + $10,000 funeral | Same |
| Death benefit (dependent) | $10,000 per dependent, max $20,000 | Same |
To qualify for accident benefits, you must:
- Have a valid Ontario auto insurance policy
- Have been injured in a motor vehicle collision (as driver, passenger, cyclist, or pedestrian hit by a vehicle)
- Submit OCF-1 (Application for Accident Benefits) within 30 days of the collision
- Undergo medical examination by your insurer's designated assessor if requested
Important 2026 update: optional accident benefits
As of July 1, 2026, some accident benefits became OPTIONAL in Ontario. Drivers can now opt out of certain coverages (income replacement, medical/rehab, caregiver) to reduce their premiums. This is a significant change - if you have not reviewed your policy recently, talk to your insurance broker. The basic medical/rehab and statutory accident benefits remain mandatory. Optional benefits give you the choice to decline specific coverages - this is a "buyer beware" change that has been criticized by personal injury lawyers.
7. Choosing a repair shop
You have the legal right to choose your own repair shop in Ontario. The Financial Services Regulatory Authority of Ontario (FSRA) explicitly states that you are not required to use a specific shop. Your insurer may recommend preferred shops (with direct billing, lifetime warranties, faster turnaround), but the choice is yours.
Honda dealer service department
Pros: Honda genuine OEM parts, Honda-trained technicians, Honda-specific diagnostic equipment, certified Honda repair procedures, software updates included, warranty on work. Cons: Often more expensive than independent shops, longer wait times for collision work, may not be a "preferred shop" for your insurer (so no direct billing).
Independent certified collision centre
Pros: Often faster turnaround, may be cheaper than dealer, may be a "preferred shop" with direct billing, may specialize in collision work. Cons: Aftermarket or recycled parts (not Honda OEM), not always familiar with Honda-specific calibration procedures (especially Honda Sensing cameras and sensors), warranty may be limited.
For Honda Sensing-equipped vehicles
If your Honda has Honda Sensing (most 2026 models do), the collision repair MUST include ADAS sensor recalibration - the front camera, radar, and ultrasonic sensors that power Adaptive Cruise Control, Lane Keeping Assist, Forward Collision Warning, etc. This recalibration requires Honda-specific equipment and procedures. The Honda dealer service department is the safest choice for collision work on Honda Sensing vehicles. Many independent shops can do the work, but verify they have the Honda i-HDS diagnostic tool and trained technicians.
8. Total loss vs repair
If the cost of repairs exceeds the actual cash value (ACV) of your Honda, the insurance company will declare it a total loss (write-off). You then receive a payout equal to the ACV minus your deductible.
How the ACV is determined:
- Pre-collision condition (mileage, wear and tear, options)
- Current market value of comparable vehicles (AutoTrader, Canadian Black Book, dealer listings)
- Your local market (GTA prices are higher than rural Ontario)
Disputing a low ACV offer
If you believe the ACV offer is too low:
- Provide comparable listings: search AutoTrader and Canadian Black Book for similar vehicles (same year, make, model, trim, mileage) in your area
- Request a third-party appraisal from a licensed vehicle appraiser (typically $200-$500 fee, refunded if you win)
- Hire a public adjuster (typically 5-15% of the settlement, but they handle the entire negotiation)
- File a complaint with FSRA (Financial Services Regulatory Authority of Ontario) if you believe the insurer acted in bad faith
Honda models hold their value well, so total loss disputes are less common for recent-year Hondas than for some other brands. The Honda CR-V Hybrid and Civic Hybrid are among the best-value-retaining vehicles in Canada.
9. Diminished value claims
Diminished value is the reduction in market value of a vehicle after it has been repaired from a collision, even if the repairs are perfect. In Ontario, you can claim diminished value from the at-fault driver's insurance, but it is difficult to collect.
How diminished value works
A repaired vehicle is worth 5-15% less than an identical vehicle with no accident history. This is because:
- CarProof and Carfax vehicle history reports show the accident
- Buyers are wary of vehicles with collision history
- Some structural or mechanical issues may not be fully resolved
- Aftermarket parts may not match OEM quality
How to maximize a diminished value claim
- Document the pre-collision condition with photos (before the repair)
- Get a detailed repair invoice showing what was repaired and what parts were used (OEM or aftermarket)
- Get a third-party appraisal (Canadian Black Book or dealer trade-in appraisal) showing the pre-collision value vs. the post-repair value
- Submit the claim to the at-fault driver's insurance company in writing
- If denied, file a Statement of Claim in Small Claims Court (for claims under $35,000) or Superior Court of Justice (for larger claims)
10. The 7 most common mistakes GTA Honda owners make after a collision
- Not exchanging complete information. Just getting a phone number is not enough. Get the driver's licence number, plate number, insurance policy number, and full name.
- Admitting fault at the scene. "Sorry, I didn't see you" can be used against you. Stick to the facts: time, location, direction of travel. Let the insurance companies and police determine fault.
- Not taking photos. Phone photos are evidence. Take dozens - damage, scene, plates, licence, skid marks, witnesses.
- Driving away from a collision that should be reported. Failing to stop is a criminal offence. Even if the damage is minor, exchange information before leaving.
- Not visiting the CRC within 24 hours. If damage is over $5,000, the 24-hour deadline is strict. Visit the CRC even if you are sore, busy, or unsure.
- Not reporting to your own insurer. Even if you were not at fault, you must report the collision to your insurer to make a DCPD claim. Wait too long and the claim can be denied.
- Not documenting injuries. If you feel any pain in the days after the collision, see a doctor and document it. Accident benefits claims require medical evidence. What feels like a minor twinge can develop into whiplash or a soft-tissue injury.
11. Henry's take — what I see at the dealer
In my experience at Maple Honda, the most common situation is the "low-speed parking lot fender bender" - a customer backs into another car at the mall, or someone rear-ends them in a school zone. The damage is often under $5,000, so no police report is required. The customer is often shaken up and unsure what to do. Here's my advice:
- Always take photos at the scene, even if you think the damage is minor. Insurance claims that go sideways almost always come down to conflicting stories from the two drivers. Photos are the best defense.
- Don't sign anything at the scene other than the police report (if applicable). Some tow truck drivers and body shops will try to get you to sign a release or "permission to tow" form at the scene. Read carefully and don't sign away your rights.
- Choose a Honda dealer service department for collision work on Honda Sensing vehicles. The ADAS sensor recalibration is critical for safety, and only Honda dealer service departments have the equipment and training to do it correctly.
- Ask about Honda Care and GAP insurance BEFORE the collision. Once you have a collision on your record, it's too late to add these coverages. Honda Care covers mechanical breakdowns and rental cars. GAP insurance covers the difference between the ACV and the loan/lease payoff if your Honda is totaled.
Frequently asked questions
What is the Ontario collision reporting threshold in 2026?
The Ontario collision reporting threshold is $5,000 as of January 1, 2025 (raised from $2,000). The threshold applies to the COMBINED damage to all vehicles and property involved, not per vehicle. If the total damage is $5,000 or less and there are no injuries, you do not need to report to police or visit a Collision Reporting Centre. If the damage exceeds $5,000, OR if there is any injury, death, government vehicle, uninsured driver, or criminal act (impaired driving, etc.), you must report immediately.
Do I need to report a minor fender bender in Ontario?
It depends on the damage amount. If the combined damage is $5,000 or less and there are no injuries, you do not need to report to police or a Collision Reporting Centre. However, you should still exchange information with the other driver (name, address, phone, insurance, plate number, driver's licence) and take photos of the damage and the scene. You can still file a claim with your own insurance company without a police report if the damage is below $5,000. If the damage is over $5,000, you must report to a CRC within 24 hours.
What is a Collision Reporting Centre (CRC) in Ontario?
A Collision Reporting Centre (CRC) is a designated police-operated facility where you file an accident report when the damage exceeds $5,000 but no police attended the scene. CRCs are open 7 days a week, typically 8 AM to 8 PM. You bring your vehicle for damage documentation, exchange information with the other driver, and a police officer or designated reporter creates the official collision report. In the GTA, there are CRCs in Toronto, Mississauga, Brampton, Vaughan, Markham, Richmond Hill, Oakville, Burlington, and Hamilton. Call Toronto Police non-emergency 416-808-2222 to find the nearest CRC, or your local police service for areas outside Toronto.
What is DCPD (Direct Compensation for Property Damage) in Ontario?
DCPD stands for Direct Compensation for Property Damage. It is Ontario's no-fault insurance system for property damage claims, introduced in 1990. Under DCPD, you claim damage to your vehicle from YOUR OWN insurance company, not from the at-fault driver's insurer. This applies regardless of who caused the collision. DCPD covers damage to your vehicle and its contents, but NOT injuries (injuries are handled separately under the Statutory Accident Benefits Schedule). To qualify for DCPD, you must have a valid Ontario auto insurance policy and the other vehicle must also be insured in Ontario. If the other driver is uninsured or from out of province, DCPD may not apply and you would need to claim through your uninsured motorist coverage or directly sue the at-fault driver.
What are accident benefits in Ontario?
Accident benefits in Ontario are medical, rehabilitation, income replacement, and other benefits you are entitled to under your own auto insurance policy, regardless of who caused the collision. They are governed by the Statutory Accident Benefits Schedule (SABS) under the Insurance Act. Standard accident benefits include: medical and rehabilitation expenses (up to $65,000 for minor injuries, up to $1,000,000 for catastrophic injuries as of 2026 limits), income replacement (70% of gross weekly income up to $400/week for the first 104 weeks), caregiver benefits, housekeeping and home maintenance expenses, attendant care, and death and funeral benefits. As of July 1, 2026, some accident benefits have become optional - talk to your insurance broker about which coverage applies to you.
How long do I have to report a collision in Ontario?
For damage over $5,000, you must report to a Collision Reporting Centre within 24 hours of the collision. For your own insurance claim (DCPD), most Ontario insurers require you to report the collision as soon as possible - typically within 7 days, though the exact deadline varies by insurer. Failure to report promptly can result in your claim being denied. For an at-fault collision, your insurance company may also require immediate notification. If the collision involves injury or death, you must call 911 immediately - do not move the vehicles or leave the scene until police arrive.
What if the other driver does not have insurance in Ontario?
In Ontario, all drivers are required by law to have valid auto insurance. If the other driver is uninsured, you can claim through your own uninsured motorist coverage (which is mandatory in Ontario policies). You may also be able to file a claim with the Motor Vehicle Accident Claims Fund (MVACF) if the at-fault driver cannot be identified or is uninsured. The MVACF provides compensation for property damage and personal injury when no other insurance is available. You can also pursue a civil lawsuit against the uninsured driver, but collecting on a judgment against an uninsured driver is often difficult.
What if the other driver flees the scene in Ontario?
Hit-and-run is a serious criminal offence under the Criminal Code of Canada. If the other driver flees the scene: (1) Call 911 immediately and report the collision. Provide as much detail as possible: vehicle make/model, plate number (even partial), direction of travel, description of the driver. (2) Document the scene: take photos of damage to your vehicle, debris, skid marks, witness statements, and any other evidence. (3) Visit a Collision Reporting Centre within 24 hours to file a police report. (4) File an unidentified motorist claim with your own insurance company (covered under your DCPD or unidentified motorist coverage). The Financial Services Regulatory Authority of Ontario (FSRA) oversees insurance practices. If the other driver is later identified, you may also pursue criminal charges and a civil lawsuit.
Can I choose my own repair shop after a collision in Ontario?
Yes, you have the legal right to choose your own repair shop in Ontario. Your insurance company cannot force you to use a specific shop, and the shop of your choice cannot charge you more than the insurer's estimate (you may need to pay the difference out of pocket for upgrades). However, your insurer can recommend preferred shops that have direct billing relationships and may offer lifetime warranties on the work. The Ontario government (FSRA) explicitly states that you have the right to choose. Popular GTA Honda repair options include the Honda dealer service department (uses Honda genuine parts, Honda-trained technicians) and independent certified collision centres (often faster, may be more convenient).
What happens if my Honda is totaled in a collision?
If your Honda is declared a total loss (write-off), your insurance company will pay you the actual cash value (ACV) of the vehicle at the time of the collision, less your deductible. The ACV is determined by your insurer based on the pre-collision condition, mileage, and current market value (using Canadian Black Book or similar). If the ACV is less than the loan/lease payoff, you owe the difference (gap insurance covers this for lease vehicles). If you disagree with the ACV offer, you can: (1) provide comparable vehicle listings (AutoTrader, Canadian Black Book) showing the car is worth more, (2) request a third-party appraisal, or (3) hire a public adjuster. Honda models hold their value well, so total loss disputes are less common for recent-year Hondas than for some other brands.
Can I claim diminished value after a collision in Ontario?
Diminished value is the reduction in market value of a vehicle after it has been repaired from a collision, even if the repairs are perfect. In Ontario, you can claim diminished value from the at-fault driver's insurance, but it is difficult to collect. The Insurance Bureau of Canada (IBC) and Ontario case law recognize diminished value claims, but insurance companies often dispute them. To maximize your diminished value claim: (1) document the original pre-collision condition with photos, (2) get the repair shop's detailed invoice showing what was repaired, (3) get a third-party appraisal (Canadian Black Book or a dealer trade-in appraisal) showing the difference between the pre-collision value and the post-repair value. For a Honda with a CarProof vehicle history report, the accident record may show up and reduce trade-in value by 5-15%.
How long does a collision affect my insurance in Ontario?
An at-fault collision typically affects your insurance for 6+ years. Most Ontario insurers apply a surcharge (premium increase) of 10-25% for a first at-fault collision, 25-50% for a second, and 50-100%+ for a third or more. The surcharge stays on your record for 6+ years, even if you switch insurers (your record transfers between insurers via the FSRA Driver Abstract). Not-at-fault collisions do not typically cause a surcharge, but your insurer may still re-rate you at renewal. Some insurers offer accident forgiveness - if you have not had an at-fault collision in the past 5-10 years, your first at-fault collision will not cause a surcharge. Ask Henry at Maple Honda about Honda dealers who offer accident forgiveness programs.
Do I need to call 911 for every collision in Ontario?
No. Call 911 (or the local police non-emergency line) ONLY when: (1) someone is injured, (2) someone is killed, (3) a criminal act occurred (impaired driving, hit-and-run, road rage), (4) a government vehicle is involved, (5) the other driver is uninsured, or (6) you suspect the other driver is impaired. For damage-only collisions under $5,000, you do not need to call police - just exchange information with the other driver. For damage-only collisions over $5,000, you must visit a Collision Reporting Centre within 24 hours but do not need to call 911 unless one of the above conditions applies.
What documents do I need at a Collision Reporting Centre in Ontario?
Bring: (1) your driver's licence, (2) your vehicle ownership (the registration slip or plate portion), (3) your insurance policy number and insurer name, (4) the other driver's name, address, phone number, driver's licence number, plate number, and insurance policy information, (5) photos of the scene and damage, (6) any witness contact information, (7) a piece of government-issued photo ID if your driver's licence was lost or damaged in the collision. The CRC officer will take a written statement from you, photograph the damage, and create the official collision report. The report number (a 9-digit Event Number or EO#) is what your insurance company needs to process your DCPD claim.
What is the difference between DCPD and a tort claim in Ontario?
DCPD (Direct Compensation for Property Damage) handles the property damage to your vehicle - you claim from your own insurance regardless of fault. A tort claim handles the pain and suffering, loss of enjoyment of life, and other general damages - you claim from the at-fault driver's insurance (or sue them in court). Ontario's no-fault system (DCPD) was designed to reduce court congestion and speed up property damage payouts. Under DCPD, you cannot sue the at-fault driver for property damage (your insurer handles it). For injuries, Ontario has a 'threshold' for tort claims - you can only sue for pain and suffering if your injury meets the 'permanent serious impairment' threshold (defined in the Insurance Act). Most minor injuries do NOT meet the threshold and cannot be sued in tort.
Related from Henry
- Ontario licence plate renewal + ownership transfer for Honda owners — the related ServiceOntario guide (covers what happens at ServiceOntario after a total loss or insurance write-off).
- Honda Sensing explained — ACC, LKAS, RDM, CMBS, TSR — critical for understanding why collision repair must include ADAS recalibration on Honda Sensing vehicles.
- Distracted driving in Ontario 2026: HTA s.78.1 fines & demerits — the related HTA guide (most GTA collisions involve at least one form of driver distraction).
- Drive Clean cancelled in Ontario: what GTA Honda buyers need in 2026 — the related Drive Clean / DriveON guide.
- 2026 Honda Canada lineup — every model, MSRP, and where it's built — the lineup page with which 2026 models have Honda Sensing (relevant for collision repair calibration).
- Honda warranty + recall check — what's covered for 3+5+5 years — the warranty guide (collision damage is NOT covered by Honda's standard warranty - that's what insurance is for).
Sources: Toronto Police Service tps.ca/services/collision-reporting (official GTA reporting process); thinkinsure.ca/insurance-help-centre/collision-reporting-threshold-ontario.html and thinkinsure.ca/insurance-help-centre/car-accident-reporting-in-ontario.html (2025 threshold change); ddinjurylaw.com/blog/post/ontarios-new-collision-reporting-rules-what-drivers-need-to-know (legal coverage); collisionrepairmag.com/news/collision-repair/article/15735112 (industry coverage of January 2025 change); Insurance Bureau of Canada (IBC) on DCPD; FSRA (Financial Services Regulatory Authority of Ontario) on SABS and accident benefits. CRC locations verified via Toronto Police Service + York Region Police + Halton Regional Police + Peel Regional Police non-emergency lines. SABS limits as of 2026 per Ontario Insurance Act. Last verified: July 1, 2026.