This is really a contract issue. You need to look back at your insurance policy to see what your rights and responsibilities are, but generally speaking, yes. Most contracts provide that you are to inform the insurance company immediately after the accident if an incident occurred. The main reason for that is because if they need to conduct an investigation into the claim, then they have a reasonable opportunity to conduct a fast investigation.
Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.