NY Car Accident Reporting Laws

In New York, motorists are legally required to report accidents involving injuries, fatalities, or significant property damage to the DMV and the police. Failing to report a car accident promptly can lead to license suspension, fines, and insurance claim denial.

1: Report to the Police 

• Requirement: Accidents involving inju ry, death, or significant property damage should be reported to the police immediately.
• What to Expect: Officers will typically arrive at the scene, file an accident report, and provide a case number for your records.
• When Police Report is Not Required: If there are no injuries or significant damage, police reports may not be necessary, but it’s still a good idea to exchange information with the other party and document the scene.

2: Complete the MV-104 Form

• Requirement: Fill out the New York MV-104 Report of Motor Vehicle Accident form within 10 days if the accident involves injury, death, or more than $1000 in property damage.

3: Exchange Information with Other Involved Parties

• Required Information: Name, address, phone number, driver’s license number, license plate number, and insurance details (company name, policy number).
• Why It’s Important: Helps with filing insurance claims, resolving disputes, and completing the MV-104 form.

4: Notify Your Insurance Company

• Requirement: Notify your insurance company as soon as possible, especially if the accident causes injury or property damage.
• Timeframe: Most policies require notification within 24 to 72 hours.
• Why Notify?: Filing an accident report with your insurer can help protect your rights and ensure that your insurance claim is processed promptly.