Seeking medical attention is crucial if you’re injured. Stay at the scene to obtain the contact and insurance details of the other drivers involved and witnesses. Photograph the accident scene. The terms of your insurance policy will dictate how long you have to report an accident to your insurance provider. Failing to do so may result in coverage denial. Some states don’t require police involvement in minor accidents, but a police report can help your insurance claim. An investigation is necessary to determine fault, which could be shared. The statute of limitations for personal injury lawsuits varies by state.