Collision Repair

After an accident, choosing the right body shop matters as much as the insurance claim. This guide explains the process and your options in Canada.

Last updated: October 28, 2026

What is collision repair?

Collision repair restores a vehicle’s structure, body panels, paint and safety systems after an accident. Modern repairs often include recalibrating cameras and radar sensors used by driver-assistance systems, which adds cost but is essential for safety.

If you claim through insurance, your insurer appraises the damage. In most provinces you can choose your own repair shop, even if your insurer recommends one from its network; in British Columbia, ICBC uses accredited repair facilities for claims. Ask your insurer how it works for your policy.

Signs you need it

• Visible body damage, misaligned panels or doors that do not close properly.
• Warning lights for airbags, cameras or driver-assistance systems after an impact.
• Fluid leaks or the car pulling after a collision.
• Damage from hail, a deer strike or a parking-lot hit.
• Rust starting at a previously repaired area.

How much does it cost in Canada?

These broad estimates come from typical Canadian body-shop pricing; insurer appraisals set the amount for claims. Prices are estimates and vary by vehicle, city, shop and parts quality; always get a written quote.

How to choose a shop

Look for shops with manufacturer certifications or industry collision certifications, a written lifetime warranty on workmanship and experience with your vehicle brand. Ask whether they use OEM parts and whether calibration of safety systems is done in-house or by a dealer.

Questions to ask before you book

• Are you certified to repair my vehicle brand?
• Will you use OEM or aftermarket parts?
• Is calibration of cameras and sensors included?
• What warranty covers paint and workmanship?
• Will you deal directly with my insurer?

Your rights in Ontario and Quebec. In Ontario, a repair shop must give you a written estimate before doing work unless you waive it in writing, cannot charge more than 10% above the estimate without your approval, and repairs are generally warrantied for 90 days or 5,000 km on parts and labour. In Quebec, a written estimate is also mandatory unless you waive it in writing, and repairs carry a legal warranty of 3 months or 5,000 km. See the Office de la protection du consommateur. Other provinces have consumer protection laws too; keep every estimate and invoice.

Steps after an accident

1. Make sure everyone is safe and call 911 if anyone is injured.
2. Exchange information with the other driver and take photos of vehicles, plates and the scene.
3. Report the collision to police if your province requires it (for example when damage exceeds a set amount or a collision reporting centre applies).
4. Contact your insurer as soon as possible to open a claim.
5. Get an appraisal and decide where the vehicle will be repaired.

Keep all estimates, invoices and photos until the claim is closed.

Frequently asked questions

Do I have to use my insurer’s recommended shop?

In most provinces, no. Network shops can simplify the process, but you can usually choose your own shop. Check your policy and ask your insurer before repairs start.

Should I claim a small accident?

Compare the repair cost with your deductible and the possible premium increase over the next years. For small damage, paying yourself is sometimes cheaper.

What is a total loss?

When repair costs approach or exceed the vehicle’s value, the insurer may declare it a total loss and pay its actual cash value instead.