How Long Do I Have To Report A Car Accident To My Insurance Company?


If you’re unfortunate enough to suffer a car accident, you’ll want to make sure you do everything in your power to have the incident reported to your insurance company as soon as possible. But just how long do you have to report the accident? In this blog post, we will explore the answer to this question and more. We’ll outline the different timeframes you may be subject to and explain why it’s important that you follow them to the letter. After reading this article, you should have a much better understanding of what’s required of you when it comes to reporting a car accident.

What is covered under a car insurance policy?

A car insurance policy covers you and any passengers in your vehicle in the event of a car accident. Each company has different requirements for reporting accidents, but in general, you must report the accident to your insurance company as soon as possible. There are typically two deadlines for reporting an accident: the moment it occurs (the “occurrence date”), and the day after the accident (the “report date”). The report date is typically the day after the Accident Facts form is completed.

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When do you have to report a car accident?

When do you have to report a car accident? The answer really depends on the circumstances surrounding the crash. If you are involved in an accident and suffer injuries, you have to report it as soon as possible. Here are some general guidelines:
If the accident occurred within 24 hours of the time it occurred
If there is any property damage or anyone injured
If someone intentionally caused the accident

How do you report a car accident?

If you are involved in a car accident, the first thing you should do is call the police. You may also want to file a report with your insurance company. Here’s how to do each:

Call the Police:

You should call the police as soon as possible after a car accident. The police will need to know what happened and who was involved. You may also be asked to take some witness statements.

File A Report With Your Insurance Company:

If you are at fault in a car accident, you’ll likely have to file a claim with your insurance company. Make sure to include all of the following information in your claim:

-The date and time of the accident
-Your driver’s license number and registration number
-The make, model, and color of both vehicles involved
-The location of the accident (including street name and address)
-A description of what happened (including any witnesses’ names, addresses, and phone numbers)

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What if you don’t have insurance?

If you are not covered by insurance, you may have to report the accident to your state DMV within a certain time period. This time period varies from state to state, but is typically within a few days. In most cases, the accident must be reported within 30 days of the incident. Some states require reporting within a shorter time frame, like 24 hours or even immediately after the accident occurs.


If you have been in a car accident, it is important to know the time limit that you have to report the accident to your insurance company. In most cases, you have three business days after an accident to report the crash. If for some reason you are unable to file within three business days, then you have until the following Friday to file a claim with your insurance company. Always keep copies of all of your documents related to the accident so that you can be sure that everything is accurate and up-to-date.