If you are driving in NY and are involved in a crash you must file an MV-104 (Motorist report) if any of the following occurred. Drivers who get into a car accident without insurance in New York may face penalties, such as having to pay fines or facing driver's license suspension.If you are injured in a motor vehicle accident, file a written notice of claim with the No-Fault insurer that identify the injured person(s). Were you in an accident with a driver who doesn't have insurance? Click the link to find out what your options for compensation are. If you are dealing with an atfault driver who doesn't have insurance in Washington state, you do have options for financial recovery. The main purpose of the Illinois Motorist Report is to allow the Secretary of State to keep track of mandatory insurance. Your Liability Insurance: Since the accident is your fault, your liability insurance will come into play. To utilize your UM coverage, you would need to promptly notify your insurance company about the accident. Contact our office today if you sustained injuries in a car accident with an uninsured motorist in New York.