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Do you need a police report to file an insurance claim in New York? Generally, you do not need a police accident report to initiate an insurance claim, but this report can be an invaluable piece of evidence to help prove the negligence of at-fault drivers.
It is essential that you notify your insurance company as soon as possible after being involved in an auto accident. Ideally, this should be done within 24 hours of the incident occurring, but you have up to 30 days in most instances.
The statute of limitations in New York for a personal injury action, including those involving car accidents, is three years. The timeline begins running on the date the accident occurred. However, there are certain circumstances under which the statute of limitations may be much shorter.
Must file their own accident report within 10 days from the date of accident or DMV may suspend your driver's license until your report is received. To meet the filing requirements, you must fill out and file the Report of Motor Vehicle Accident (PDF) (MV-104).
You Should Also Be Aware (NOTE: A Report of Motor Vehicle Accident must be filed with the Department of Motor Vehicles within 10 days of a collision if the collision caused damage over $1,000 to the property of any one person.