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If the accident involved higher values of property damage or involved any physical injuries or deaths, you are legally required to report the accident to the police and the New York Department of Motor Vehicles.
For insurance purposes, a Report of Motor Vehicle Accident should be filed with the Department of Motor Vehicles. This form can be found online at dmv.ny.gov/forms/mv104.pdf, or at your local precinct or police service area.
Things to Know About Reporting a Car Accident in New York There could be penalties if you fail to report an accident If you are required to report the accident and dont, you could get into trouble with the law. The penalty for failing to report an accident usually involves a fine, including jail time in some cases.
must file their own accident report within 10 days from the date of accident or DMV may suspend your drivers license until your report is received. To meet the filing requirements, you must fill out and file the Report of Motor Vehicle Accident (PDF) (MV-104).
(NOTE: A Report of Motor Vehicle Accident must be filed with the Department of Motor Vehicles within 10 days of a collision if the collision caused damage over $1,000 to the property of any one person. Failure to do so can result in suspension of your drivers license.)
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Use form MV-104 to report accidents involving motor vehicles. Required to be filed with DMV by all drivers involved in reportable motor vehicle accidents. See Motorist Accident Reports. This form outlines the requirements and instructions to enroll in TEENS (Teen Electronic Event Notification Service).
A completed MV-104 Form can be submitted to the DMV online, mailed in, or dropped off in person.
In New York, for example, an accident will show up on your record for four years after the incident. Compare that with California, where an accident will stay on your record for at least three years (but up to 10 depending on the vehicles involved). Serious accidents may stay on your record longer.

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