The 401 is the busiest highway in North America. Between the aggressive merging on the Don Valley Parkway and the gridlock of the Gardiner Expressway, a collision in Toronto isn't just a possibility; for many, it is a statistical eventuality. When the metal crunches, your adrenaline spikes. This physiological response often leads to critical errors—errors that car insurance adjusters and legal teams exploit to minimize payouts or shift liability. Understanding what to do afte