To whom should a driver report an accident that results in damage to vehicles and involves a third-party person?

When an accident occurs that causes damage to vehicles and involves a third-party person, it is vital for the driver to report the incident to multiple parties to ensure proper handling of the situation. Reporting to the insurance company is essential so that claims can be processed and coverage for damages can be arranged. The insurance company will guide the driver through the necessary steps for filing a claim and may also assist in communicating with the other involved parties.

Additionally, reporting the accident to the police department is crucial, especially if there are injuries or if the damages exceed a certain monetary threshold. The police can document the scene, gather statements from witnesses, and create an official report that may be necessary for insurance purposes or potential legal proceedings.

Finally, notifying the Department of Motor Vehicles (DMV) may be required depending on state regulations, particularly when there is significant damage or injuries involved. The DMV often requires accident reports to keep driving records current and ensure compliance with state laws.

Thus, it is prudent for the driver to report the incident to the insurance company, the police department, and potentially the DMV, which is why indicating that all of these entities should be informed is the correct response.