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The sooner you report the accident the better. Most insurance policies contain language requiring that the report of the accident or other occurrence be made "as soon as practicable".
The reason for this is that the insurer needs to conduct an investigation of the dynamics of the collision, especially if there may be a third-party claim arising from it. The insurer needs to get photos of the vehicles, the scene, interview witnesses, and attempt to control the medical aspects of the claim, if any. This is best done by the insured reporting the collision to the insurer soon after it occurs. The insured is also obliged to cooperate with the insurer in the investigation, such as by giving statements as required.
If the insured does not cooperate, or does not quickly report the incident, the insurer may take the position that it has been prejudiced, that "conditions subsequent" to coverage have not been met, and therefore deny policy benefits.
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