Being involved in a car accident can be overwhelming. Between exchanging information, contacting your insurance company, and figuring out what paperwork needs to be completed, it’s easy to wonder, “What do I do next?”
This guide walks you through the steps Massachusetts drivers should take after an accident and explains when a Motor Vehicle Crash Operator Report is required.
Step 1: Check for Injuries and Call 911 if Necessary
Your safety comes first. If anyone is injured or there’s an emergency, call 911 immediately.
If it’s safe to do so, move your vehicle out of traffic and exchange information with the other driver, including:
- Driver’s license information
- Vehicle registration
- Insurance information
- Contact information
It’s also a good idea to take photos of the vehicles, the accident scene, road conditions, and any visible damage.
Step 2: Notify Your Insurance Company
Report the accident to your insurance company as soon as possible, even if you believe the damage is minor.
Your insurance company will explain the claims process and let you know if any additional information is needed.
Step 3: Do You Need to File a Crash Operator Report?
Massachusetts law requires a Motor Vehicle Crash Operator Report if:
- Someone was injured or killed, or
- Property damage appears to be $1,000 or more to any one vehicle or other property.
If required, the report must generally be filed within 5 days of the accident unless you’re physically unable to do so.
Even if a police officer responds to the accident, you may still be required to complete a Crash Operator Report.
Where Do I Send the Report?
Submit copies to:
- The police department where the accident occurred
- The police department where you live
- The Massachusetts Registry of Motor Vehicles (RMV)
Filing a Crash Operator Report does not replace notifying your insurance company. Be sure to report the accident to your insurer as soon as possible.
You can download the official Massachusetts Motor Vehicle Crash Operator Report here: Motor Vehicle Crash Operator Report
Step 4: What If I’m Found At Fault?
Massachusetts insurance companies use the state’s Standards of Fault to determine whether an accident is surchargeable.
Being involved in an accident does not automatically mean you’ll be found at fault.
If you disagree with an at-fault determination, you have the right to appeal through the The Massachusetts Merit Rating Board (MRB) .
Learn More About Massachusetts Standards of Fault.
Merit Rating Board Contact Information
Merit Rating Board (MRB)
Phone: 857-368-8100
Mailing Address
P.O. Box 55889
Boston, MA 02205-5889
Disagree with your insurance company’s at-fault determination? Learn how to appeal an at-fault accident in Massachusetts.
Frequently Asked Questions
Do I need to file a Crash Operator Report if the police came?
Possibly. A police report does not automatically replace your responsibility to file a Crash Operator Report if one is required.
Will filing a Crash Operator Report increase my insurance premium?
No. Filing the report itself does not increase your premium. Any premium changes are based on your insurer’s investigation and the Massachusetts Standards of Fault.
What if I’m not sure the damage exceeds $1,000?
If you’re unsure whether the damage meets the reporting threshold, it’s generally a good idea to complete the report.
How long do I have to file the report?
Generally within 5 days of the accident.
Need Help?
Already a Risman client?
If you’ve been involved in an accident and have questions about what to do next, we’re here to help. Whether you need assistance understanding the reporting requirements or have questions about your claim, don’t hesitate to contact us.
Not a Risman client?
Looking for an insurance agency that will help guide you through the claims process? We’d be happy to review your current coverage and provide a no-obligation quote.
Please Note
This article is intended to provide general information about Massachusetts crash reporting requirements. Every accident is unique, and reporting requirements may vary depending on the circumstances. If you’re unsure whether a Crash Operator Report is required, contact your insurance company or the Massachusetts RMV for guidance.
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