Ideally, you should contact your insurance provider within 24 hours of the accident. Your insurance policy may stipulate that you only have a very specific amount of time to report an accident, but it may also use a vague term such as “within a reasonable time.” It is therefore best not to wait too long to contact your provider. Not only so you don’t get denied due to an arbitrary deadline, but also so you can get the often lengthy claims process underway.