DMVZoneBlogNew York drivers must file an MV-104 within 10 days when a crash causes injury or more than $1,000 in damage. Here is the full checklist, from the scene to your insurer.
Stop, help anyone hurt and call 911, then exchange license, registration and insurance details. If anyone was hurt or killed, or any one person's property damage is over $1,000, every driver involved must file a Report of Motor Vehicle Accident (MV-104) with the DMV within 10 days, even if police came.
The part New Yorkers miss most is the MV-104. A police report does not replace it. The DMV wants a report from each driver, and not filing can lead to a suspension of your license and registration.
With today's repair costs, almost any crash with visible body damage is over $1,000. When in doubt, file.
Your own policy's no-fault coverage pays your medical bills and some lost wages first, no matter who caused the crash. Vehicle damage goes through the at-fault driver's liability coverage or your own collision coverage. Tell your insurer about the crash promptly; no-fault claims have short deadlines.
Since July 11, 2025, e-bike and e-scooter riders, or the parent of a minor rider, must also report a crash to the DMV within 10 days when someone other than the rider is killed or seriously hurt.
When must a New York driver file an MV-104?
Answer: B. The MV-104 is required for any injury or death, or property damage over $1,000 to any one person, within 10 days.
Who pays your medical bills first after a New York crash?
Answer: B. No-fault coverage on your own policy pays first regardless of fault.
How many points for leaving the scene of an injury crash in New York since February 2026?
Answer: B. It went up from 3 to 5 points.
Yes. The police report goes to the DMV separately. Each driver in a reportable crash must file their own MV-104 within 10 days.
It is on the New York DMV website as a printable form.
Not by itself. Points come from a conviction for a ticket written in connection with the crash.
Checked against these pages on November 12, 2026. Laws change, so open the source before you rely on a number.
Rules and fees change. Always confirm the details with the official New York DMV or motor vehicle agency before you act. DMVZone practice questions are written to teach the rules and are not copies of the real test.
The full New York point schedule after the February 2026 update, the 24-month suspension window, and why out-of-state tickets mostly do not add NY points.
Six points in 18 months, a DWI or a refused breath test brings a New York Driver Responsibility Assessment. See the amounts, how to pay, and why a course will not stop it.
A New York PIRP course subtracts 4 points from a suspension count and cuts insurance 10% for three years. Here is when it helps, when it does not, and how long it takes.