You should call your insurance company as soon after an accident as you reasonably can. Many insurance contracts set a deadline for reporting accidents. If you miss that deadline, you may not be able to make any claim at all. Waiting too long might also make the insurance company believe you are exaggerating your injuries, which allows it to deny your claim. However, under certain circumstances your own insurance company may have interests that are opposed to yours. Therefore, you should contact an experienced personal injury lawyer before contacting your own or any insurance company.