Your state’s laws will determine if you should report a single-vehicle collision to state authorities. You’re typically required to report accidents if anyone was injured or died, or if more than a specific dollar amount of property was damaged. Whether you should report the accident to your insurer depends on several variables, such as: Whether it was on your property or someone else’s Whether anyone might claim you’re at fault for damage to their property Whether your deductible is higher than the damage costs to your car