Should I report the accident to my insurance company?

If you do not report the accident in a timely manner, the insurance company may deny payment of any claims you file subsequently. You must file an application for no-fault benefits with the appropriate insurance company within 30 days of the date of the accident. If you are a driver or passenger, this would be the insurance company of the vehicle you were in. If you are a pedestrian, this would be the insurance company of the vehicle that struck you.