Unfortunately, the Niagara Regional Police have stopped providing accident reports at the scene of an accident. This can hold up your claim in several ways. In the worst case scenario, where you have no information about the other party, your insurance company has to obtain your written consent to order your police report, they then have to pay the NRP to obtain it and wait for the mail. If the officer that took the report goes on holidays after the accident (this seems to happen more than you would believe) the timeline is lengthened even more. Meanwhile, your insurer has no information and cannot even confirm fault. Under your collision coverage, the insurer will inform you that you may be responsible for your deductible. If the motorist who is not at fault, does not have collision, they have to wait for the insurer to obtain all of the information before any repairs or settlement can be made. Under the no-fault portion of your policy, your damages will be reimbursed if you are not at-fault, however, the insurer needs to confirm who is at fault based on the police report. The only thing you can do to speed the situation along is to obtain the information on the other individual yourself. And if the responding officer asks you for it, be sure to get it back. You may also obtain the report yourself from the police station, assuming the officer has not gone on holidays. Our office provides our clients with a form that prompts you for all of the pertinent information.  If like us, you are not happy with this situation, we encourage you to speak to your local MPP.