If you have an auto insurance policy, chances are the fine print says you’re contractually obligated to report any incident that could trigger coverage under the policy. Regardless, it’s usually a good idea to let your insurance agent know you’ve been in an accident, even if it seems like only a fender bender.
If you’ve been in a car accident, the safest move is to tell your car insurance company about it. If anyone was injured, call 911 and wait for the police and emergency medical services to arrive.
It’s also a good idea to contact an auto accident attorney as soon as possible to better understand your options.