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Written by Kayla Jane Barrie Updated on Mar 03, 2025 4 mins read

Blog Proof of Loss Form in Ontario

How to fill out a proof of loss for automobiles

Have you heard of a proof of loss form?

If you’ve been in a car accident, you may have been asked to fill out this type of form to document the damages as a result of the accident. It is required by your insurer to have it properly filled out so you can submit a car insurance claim.

In this blog, we’ll look at what proof of loss form is, why it’s important to understand, and how to fill it out properly.

What you need to know about proof of loss for automobiles:

  • To process insurance claims and deter fraud, a completed proof of loss form accurately documenting damages is required.
  • When completing an Ontario proof of loss form, ensure accuracy and honesty, meet deadlines (typically within 90 days), and obtain detailed repair estimates.
  • Avoid common proof-of-loss errors by understanding policy limits and deadlines, knowing relevant provincial laws, and providing thorough supporting documentation (estimates, receipts, photos).

What is a proof of loss form?

A proof of loss form is evidence of any damages from an accident.

Without this form, your insurer would not be able to process your claim. This would put repairs on hold and prevent you from receiving accident benefits. Proof of loss forms also help prevent insurance fraud because they outline legitimate proof of what damages have been documented.

How to complete a proof of loss form

When completing a proof of loss form, you must take your time and provide as much information and details as possible. Here are four steps to ensure you complete the form correctly:

  1. Gather information: The first step in filling out a proof of loss form is to make sure you have all the information required. This will include the date and location of the incident, contact information of witnesses and anyone involved, and a detailed description of damages. Pictures are also a great idea to have.
  2. Be as specific as possible: While filling out sections, describe injuries or vehicle damages with as much detail as possible. Use medical terms, the location, and specifics related to the automobile.
  3. Supporting documents: Be sure to review doctors' notes, medical bills, repair receipts, and any other supporting documents related to your claim.
  4. Review thoroughly: Before you submit the proof of loss form, review it carefully. You want to ensure all the information is accurate and complete.

Filling out a proof of loss form can be overwhelming – always contact a legal professional or your insurance broker for assistance.

3 helpful tips to remember when you are filling out a proof of loss from

Keep these three helpful tips at the top of your mind when filling out a proof of loss form in Ontario:

  • Be accurate and honest: If you don’t fill it out correctly, it can lead to underpayment, delay, or denial of your claim. Review everything before you submit it.
  • Respect time requirements: Be sure to follow any deadlines related to your proof of loss form. It should generally be filled within 90 days. Be clear about specific deadlines so you don't miss them.
  • Obtain detailed estimates: You will want to be as accurate as possible with any details related to the accident. Never guess! If requested by your insurer, get multiple detailed estimates of repairs to be completed.
car damaged on side of rural road

What happens after I fill out a proof of loss?

After you fill out a proof of loss form, your insurer will accept or reject the claim. They will determine a total loss value and contact you with details. Here is a detailed look at what will happen next:

  • Your documents will be reviewed by your insurer.
  • The insurance company will accept or reject the items you have included in the form.
  • When the review is complete, they will determine a total loss value and contact you.
  • You will review the payment amount being offered to you.
  • Payment will be processed – minus any applicable deductibles.

Before you begin the process of filling out a proof of loss form, you can contact ThinkInsure with any questions or guidance on how to proceed.

Common mistakes when filling out a proof of loss form

To have a better experience when filling out a proof of loss form, be mindful of these common mistakes.

  • Not understanding policy limits: Your policy includes important details about what is covered, any endorsements, and what the process of a claim may look like regarding your proof of loss form.
  • Missing the deadline: Some companies will require you to submit proof of loss within a set number of days - if you miss this deadline, it may be denied or delayed. Ask for an extension if you need one.
  • Failure to understand laws: Provinces have different laws, which may override your policy. Failure to understand laws can lead to a lower settlement. Be sure to speak with your broker if you have questions about the law and the proof of loss form process to avoid any problems.
  • Forgetting to add your proof: Estimates, repairs, medical notes, bills, and photos are just a few of the areas that your insurer will want to see clear proof of your loss.

Proof of loss FAQs

The policyholder must fill out the proof of loss form since they are the person listed on the policy. They will also be the ones who receive benefits and compensation from the claim.

If you need to write a proof of loss, you will be provided or will need to ask your insurer for a proof of loss form, which will have all the details you need to fill out. Proof of loss forms can vary somewhat by the insurer.

It depends. The information you include on the form could impact a future car insurance increase. For example, the dollar value of the claim, at fault, your driving history, and tickets are just a few examples that contribute to increased costs.

Be diligent and honest with proof of loss forms

A proof of loss form is evidence of the damages you have suffered. Take your time, and be sure you fill out each section with as much detail as possible. Be sure to review your car insurance in Ontario so you know what you are covered for.

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Categories Auto
Tags Auto Coverage

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