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 driving in NY and are involved in a crash you must file an MV-104 (Motorist report) if any of the following occurred.If you are involved in an accident with an uninsured driver, contact your insurance company and attorney immediately. We've laid out how to handle accidents with uninsured drivers and the best practices for filing an insurance claim. An MV104 accident report can be important evidence to prove fault in a personal injury case. If you were in an accident and did not have insurance, fault still matters. The quickest and easiest way to get insurance information is to search the insurance company code list on the Department of Financial Services website. In most states, when an accident occurs one party is usually considered "at-fault" and must cover the injuries of the other driver and their passengers. In most states, when an accident occurs one party is usually considered "at-fault" and must cover the injuries of the other driver and their passengers. Exchange names, insurance information, and phone numbers with the other driver(s).