If you’re in a car accident in Illinois that involves injuries, death, or over $1,500 in property damage (or over $500 if an uninsured driver is involved), you’re legally required to report it. Call the police immediately from the scene and notify your insurance provider without delay. You may also need to file a written crash report with the Illinois Department of Transportation (IDOT) within 10 days.
For guidance with claims or insurance coverage after a crash, call Insure on the Spot at 773-202-5060.
When Is It Legally Required to Report a Car Accident in Illinois?
Illinois law requires reporting any crash that causes:
- Injury or death
- Property damage over $1,500 (or over $500 if a driver lacks insurance)
You must contact law enforcement immediately in such cases—ideally from the scene. If police file a report, it typically fulfills your duty. If no officer comes, you must submit a crash report to IDOT within 10 days.
Even if an accident occurs on private property (like a parking lot), you must report it if it meets these criteria. The location does not exempt you from Illinois law.
Who Should You Notify After a Car Accident?
There are three key parties you should notify right after a qualifying accident:
1. Police
Call 911 from the scene if someone is injured or there’s major damage. An officer will file a report that goes to the state. Be sure to ask for a copy or the report number for your records.
2. IDOT
If police don’t respond and the crash meets Illinois’ reporting threshold, you must file a crash report with IDOT within 10 days. Use the Illinois Motorist Crash Report form, which you can get from the police or IDOT’s website.
3. Your Insurance Company
Most insurance policies require prompt reporting. Let your insurer know what happened, ideally within 24 hours. Delaying could lead to denied claims or complications.
What Steps Should You Take Right After a Crash?
Follow these key steps to protect your safety and your legal rights:
- Check for Injuries: Call 911 if anyone is hurt. Move vehicles out of traffic if safe to do so.
- Gather Info: Exchange names, contact info, license numbers, and insurance details with all drivers. Take photos of the scene and any damage.
- Get a Police Report: Call law enforcement. If they don’t respond, file a report with IDOT.
- Notify Your Insurer Quickly: Contact your insurance company as soon as possible. Fast action helps prevent claim issues.
Even for a minor fender-bender, it’s wise to document the accident and report it. Small issues can become costly problems if left unreported.
What Mistakes Should You Avoid When Reporting a Crash?
Avoid these errors to protect your rights and coverage:
- Delaying Your Report: Waiting too long to notify the police or your insurer can lead to legal penalties and denied claims.
- Providing Inconsistent Information: Be honest and consistent. Stick to the facts. Don’t admit fault or speculate.
- Skipping Medical Care: Even if you feel fine, get checked out. Some injuries (like whiplash or concussions) don’t show up right away. Having medical documentation helps with injury claims later.
What Happens If You Don’t Report a Car Accident in Illinois?
Failing to report a reportable crash can lead to:
- Legal Penalties: You could face fines, license suspension, or even criminal charges for failing to report a crash involving injury or death.
- Insurance Consequences: If you don’t notify your insurer, your claim may be denied. You’ll be on the hook for all damages, and your policy could even be canceled.
Frequently Asked Questions
Q: Do I have to report a minor car accident in Illinois if no one was hurt?
A: Not always. If damage is under $1,500 and no one was injured, reporting isn’t required by law. Still, it’s smart to exchange information and report it to your insurer just in case.
Q: How long do I have to report a car accident in Illinois?
A: If police don’t file a report, you have 10 days to submit it to IDOT. Report to your insurer as soon as possible—ideally within 24 hours. Don’t wait.
Q: Who do I report a car accident to in Illinois?
A: Report it to law enforcement, IDOT (if needed), and your insurance company. All three may need to be notified depending on the situation.
Q: What are the penalties for not reporting a car accident in Illinois?
A: Failing to report can lead to fines, suspended licenses, and possibly criminal charges. Insurance companies may also deny your claim or cancel your policy.
Q: How do I file an accident report with IDOT?
A: Download the Illinois Motorist Crash Report form from IDOT’s site, fill it out, and mail it within 10 days. Include driver and insurance details. Keep a copy for your records.
Get a Quote After an Accident or Claim
Accidents are stressful—reporting them shouldn’t be. If you’ve recently been in a crash and need help filing a claim or finding affordable coverage, Insure on the Spot can guide you through every step. Call 773-202-5060 today or get a free quote online. Whether you need help after a minor accident or require SR-22 coverage, we’re here for Illinois drivers.