You should always report the accident to the police, regardless of how minor it is. Write down the names, addresses and phone numbers of any witnesses. Make sure the police give you a copy of the driver exchange information form. Give your insurance company a call immediately following the accident for further instructions. Failure to report your accident may result in your insurance company denying payment of any claims you subsequently file. Within 30 days of receiving proper notice of the claim, your insurance company must notify you whether it will pay or deny your claim or that the claim is being investigated.