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New York Accident Reporting Rules

3 min read

If you're involved in a traffic accident in New York, state law requires you to follow specific steps to protect your driving privileges and comply with legal obligations. Understanding these rules helps you avoid fines, license suspension, and complications with your insurance.

When You Must Report an Accident in New York

You are legally required to file a report with the DMV within 10 days if:

  • The accident causes property damage exceeding $1,000 (to any vehicle or property).
  • The accident results in injury or death.

Failure to report within 10 days may lead to license suspension. If the accident involves injury or death, you must also immediately notify the local police, county sheriff, or New York State Police.

For minor accidents under $1,000 in property damage with no injuries, exchanging information (name, address, insurance, and license details) is typically sufficient without a DMV report, but you must remain at the scene.

Information You Need to Exchange and Collect

At the scene, collect and exchange:

  • Names and addresses of all drivers and vehicle owners
  • Driver’s license numbers
  • Insurance company names and policy numbers
  • Vehicle plate numbers

Additionally, gather witness information, take clear photos of the damage, scene, and conditions, and note the time and location for your records.

Completing the MV-104 Report

The official accident report form in New York is Form MV-104 (Report of Motor Vehicle Accident). You can download it directly from the NY DMV accident reporting page.

Key details you will need to complete it:

  • Precise location and time of the accident
  • All vehicle and driver details
  • Insurance information
  • Description of the accident circumstances

Submit this form within 10 days of the accident to avoid penalties. If you need guidance while preparing your documents, New York License Documentation Checklist can help you stay organized.

Failing to report a required accident can lead to:

  • License suspension by the New York DMV
  • Possible fines or misdemeanor charges
  • Insurance claim denial for non-compliance with reporting requirements

In addition to legal reporting, promptly notify your insurance company, as delays may impact claim processing.

  • Move your vehicle safely off the roadway if possible.
  • Use hazard lights to warn other drivers.
  • Do not leave the scene, as this can result in hit-and-run charges.
  • Cooperate fully with law enforcement officers when they arrive.

If your accident involves a traffic violation, you may find it helpful to review When to Report a Traffic Ticket in New York to understand related procedures.

To continue protecting your license and driving record after an accident, consider reviewing:

These resources can help you remain informed on traffic laws and safety practices, reducing your risk of future violations or accidents while driving in New York.

By understanding and following New York accident reporting rules, you ensure compliance with state laws, protect your license, and maintain your insurance standing, minimizing additional complications after an incident on the road.