If you’re in an accident with another vehicle resulting in any damages, you may be required by law to report the accident to your insurance company, depending on your state. Even if this isn’t the case in your state, it’s still a good idea to report accidents to your insurance company, especially if there is anything more than superficial damage. Otherwise, your insurer may consider dropping you from their policy, and in extreme cases, they could even take legal action.
If only your property was damaged or no other drivers were involved in your accident, contacting your insurance company may not be as much of a necessity. In any other case, contacting law enforcement and informing your insurance company after an accident is always the safest route to take.