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Who files accident reports with the DMV,when,and how the insurance company uses them?:Car Insurance

Does Your Car Insurance Company Report Accidents to the DMV?

By and large, your car insurance organization doesn't report mishaps to the Department of Motor Vehicles (DMV). Be that as it may, contingent upon your condition of the home, possibly you or the police are most likely needed to document a report with the DMV, whether or not your insurance organization gets included. Moreover, your insurance contract probably expects you to alarm your insurance organization about any impact you are engaged with, regardless of whether you don't make a claim.1 2

Car collisions are a distressing occasion and now and again life-changing. Not exclusively is simply the mishap an upsetting second, however, the cycle of insurance, administrative work, and police reports that follow can likewise incur significant damage. The following is some useful data in regards to who records mishap reports with the DMV, when, and how the insurance organization utilizes them.


Key points to remember :

  • In general, your car insurance company does not report accidents to the DMV.

  • Many states have laws that require the police—or you—to file a report with the DMV; one most always be filed if someone is injured or killed in a collision.

  • The main reason why an insurance company communicates with the DMV about your driving history is if your insurance lapses, does not meet certain standards, or if you are convicted of a serious driving offense, such as a DUI.


Detailing an Accident to the DMV

In numerous states, a DMV report is required after any mishap that you are engaged with, paying little heed to who is to blame. This prerequisite is often dependent upon a property harm limit that directs which impacts are mishaps that require announcing and which are essential "bumper benders."2

For instance, in New York, all drivers associated with crashes that cause in any event $1,000 in aggregate property harm are needed to report a "Regular citizen Accident Report" to the DMV. If anybody was harmed in the mishap, you have only 10 days from the date of the mishap to record this report.3

On the off chance that somebody is harmed or murdered in a crash, it should be accounted for to the DMV paying little heed to your condition of the home. As a rule, mishaps that meet your state's detailing standards require the guide of the police or other crisis administrations. At the point when the police are included, they are needed to make a DMV report. Your state may expect you to present a report first if the police can't do as such in an opportune manner.2

If the mishap isn't adequately extreme to require the guide of the crisis workforce—and there is no police report made—the DMV is by and large not mindful of the occurrence, regardless of whether you make a case on your insurance. Be that as it may, having a police report unquestionably helps when making a case, as the police report contains point-by-point data about the accident.1

At the point when an insurance organization examines a mishap, it utilizes a police report to figure out who is to blame and how to continue with the case, so ensure it's exact.

At the point when Your Insurance Company Contacts the DMV

The essential explanation your insurance organization would tell the DMV about your driving action is if your insurance doesn't fulfill certain guidelines. In the United States, drivers are needed to carry a base measure of liability insurance, regardless of whether they don't carry insurance to cover harm to their own vehicles.4

On the off chance that you permit your insurance policy to pass, your car insurance organization informs the DMV, which may suspend or repudiate your permit until you are completely insured.5

Likewise, if you are sentenced for a genuine driving offense, like driving while impaired, your insurance organization can document a Statement of Responsibility, or SR-22, with the DMV. The SR-22 demonstrates that you carry the base essential insurance needed by your state. Remember, however, that not all insurance organizations offer the choice of documenting an SR-22 and most don't safeguard drivers who have lost their driving privileges.6


To help their work, Newsmusk allows writers to use primary sources. White papers, government data, initial reporting, and interviews with industry experts are only a few examples. Where relevant, we also cite original research from other respected publishers.

Sources :

  1. Insurance Information Institute. “Do Auto Insurance Premiums Go Up After a Claim?

  2. New York State Department of Motor Vehicles. “How to File a Motorist Accident Report,”

  3. New York State Department of Motor Vehicles. “Insurance Lapses,”

  4. Progressive. “What Is an SR-22?

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