After an accident, the same questions come up often. Here are clear, factual answers to the most common ones. For the full sequence, see what to do after an accident.
Do I have to report a minor accident?
You must report to the DMV (SR-1) and law enforcement when damage exceeds $1,000 or someone is injured. See reporting laws for the full thresholds.
Should I admit fault?
No. Stick to the facts. Fault is determined by insurers and, when relevant, investigators — not by the drivers at the scene. Admitting fault can complicate your claim.
When should I contact my insurer?
Promptly. Most policies require timely notice, and delay can affect your coverage. See how to file a claim.
Do I need a police report for a minor collision?
It's not always required for minor damage, but an official report creates a useful record and can support an insurance claim. When in doubt, call.
