You may also want to contact your insurance company or your insurance broker/ agent regarding the company's accident reporting policy. Most of the time the company or agent/ broker will be able to send you a paper or booklet that explains the policy in detail. In addition the agent or broker will be able to explain any areas of the policy that are not clear to you. This will help you to have a greater understanding in the insurance policy and will also provide you with a hard copy that you can keep with the rest of your insurance information for referral purposes in the case of needing the information.



Not gathering the information regarding the insurance company's accident reporting policy can be a costly mistake. The failure of gathering the information may mean that some parts of the investigation are left unfulfilled and the amount of money owed is incorrect. This can also mean that the individual's involved with the incident may be able to take advantage of the incomplete information and take advantage of you. This can become a costly problem that can cause problems years down the road. It is best to have the information and never use it than not have the information when it is needed.



In most cases, it is the responsibility of the individual who has been in the accident or who has the policy that is affected by the policy to inform the insurance company as soon as possible according to the accident reporting policy. It is also the responsibility of the individual to gather information regarding the accident including the individual's involved in the incident, the witnesses and any police reports. This information will then be verified by the insurance company and all appropriate actions will be taken. This method will insure that the proper insurance is issued and that the proper coverage is had by all those involved with the incident.