All policy's have wording such as, ''you must promptly report any and all claims'' file it asap. Waiting only increases your chances of being denied due to the above mentioned condition in your insuring contract.
It is always best to inform your insurance company.If you are not at fault they can (if you have the right coverage) help negotiate with the other company, prevent the other insured from making fraudulent claims against you.ANDMost insurance companies require a report regardless and can cancel your policy if you don't.
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