If you were in a car accident and no one had auto insurance, you may be eligible for compensation for your injuries or property damage. In Ontario, you should report any accident within 24 hours of it occurring.The Civil Claim form has attachments for you to fill in the blanks and has been designed for the most common types of Civil Claims filed. To file a claim, complete this form. Please upload any photos, invoices, and any other relevant documentation in support of your claim with this submission. Motorists are required to report crashes on form MV-104, "Report of Motor Vehicle Accident", involving: . death. . Personal injury; or . Most car accidents happen due to driver error, and backing up is a common accident scenario that can cause injuries and significant property damage. If you carry uninsured motorist coverage, you can file a claim with your insurer to get compensation for your losses. These drivers are considered "uninsured.