is there a time window that i need to report this to my insurance company by if i do decide to go that route? i want to first call the other party's insurance, have the adjuster look at the damage, and if there's any problems call my insurance company. if no problems, then my company doesn't need to know. say that this whole process takes a week or two from the accident. can i call and report my accident to them at this point? it's not too late right?