There is a death as a result of the accident. If the other driver is not insured or has inadequate coverage, you may make a claim against your own insurance company for Uninsured or Underinsured Motorist Benefits. Filing an accident report alone is not likely to trigger a premium increase. Typically, insurance companies will only react to claims made against a policy. However, insurance is a competitive business and, within state regulations, companies may set different standards.
Time is of the essence when investigating an auto accident.
It is in your best interest to have your attorney gather information promptly from witnesses, take photographs, and fully investigate the facts concerning your accident. Also, there are certain legal procedures which, if not strictly followed, could prevent you from pursuing any claim you might have. By sharing your information with an experienced attorney in a timely fashion, you can be advised immediately about your rights and how to protect and preserve your claim. Failure to complete and file this form within ten days of an accident is a violation of New York law. Accident report forms can be obtained from your insurance agent.