Do I Call My Insurance if It’s Not My Fault? You may have heard that you need to report an accident to your insurance company regardless of who caused the accident—but do you really have to report it? If you do not plan to use your insurance to cover any of the bills associated with a serious accident, do you need to contact them? When should you get in touch with your insurance company? You may have any number of questions about how to deal with your insurance company following a car accident caused by another driver’s negligence, and in many cases, you may not know what to do first. Take a look at some of the answers to those key questions.