Quick answer
Police, driver, employer, and insurance reporting duties can be separate.
Do now
Check the issuing jurisdiction’s current crash-report requirements and follow responder instructions. Notify insurers promptly and keep the report number and submission confirmations. Seek legal help if there is injury, leaving-scene allegations, or criminal exposure.
Watch for
A police officer’s attendance does not necessarily complete every driver or insurer filing. Do not leave an injury scene or provide false information to simplify a claim.
Official sources
NY DMV — MV-104 Crash Report, NJDOBI — Auto Insurance Consumer Information, NY DFS — No-Fault FAQs, NY DMV — Updated Point Values, February 2026.
