Yes, you do have to report this loss to your insurance company. A licensed claims adjuster will be able to appropriately handle this situation. In most cases, the insurance company that provides your medical coverage will start to pay after you have exhausted any benefits available under your auto insurance policy.

You should call your insurance agent or insurance company as soon as possible, regardless of who is at fault. Find out whether you're covered for this loss. Even if the accident appears minor, it is important that you let your insurance company know about the incident.