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5. Notifying an insurer

In Hong Kong there is no law that compels drivers to report an accident to their insurers.  As a matter of fact, most parties involved in minor accidents would simply resolve the disputes by way of mutual agreement without involving their insurers.  However, most vehicle insurance policies require vehicle owners to immediately report an accident to the insurance company if they intend to claim damages under their policy.  Drivers involved in an accident should therefore duly consider whether it is in their best interest to report the case to their insurers.