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Yes! You can use AI to fill out Form MV-104, Report of Motor Vehicle Accident

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Form MV-104, Report of Motor Vehicle Accident, page 1
Complex · 66/100Form Complexity Index

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What this form asks for

The AI fills all of it, from your answers or your documents.

Form MV-104 is the official document used by the New York State Department of Motor Vehicles to report any motor vehicle accident that results in a fatality, personal injury, or property damage exceeding $1,000 for any single person. Filing this report within 10 days of the accident is a legal requirement to avoid penalties such as license suspension. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields180
Pages1
Sections17
Form Complexity IndexComplex, 66/100

The AI checks your answers before you download

14 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Accident Date is Valid and Not in the Future

This check ensures that the 'Accident Date' (Month, Day, Year) is a real calendar date and that it does not occur after the submission date. It prevents impossible data, such as an accident reported before it happened. If the date is invalid or in the future, the form submission will be rejected, and the user will be prompted to correct the date.

Police Investigation Details Conditional Requirement

This validation verifies that if the 'Did police investigate accident at scene?' box is checked 'Yes', then the 'Police Agency or Precinct & Accident Number' field must be filled out. This is important for cross-referencing official police reports and ensuring complete data capture. A failure would trigger a warning asking the user to provide the police agency and report number or change the investigation status to 'No'.

Driver Age Verification

This check calculates the driver's age using their 'Date of Birth' and the 'Accident Date' to confirm they are of a legal driving age (e.g., 16 years or older in NYS). This is a critical check to flag data entry errors or potentially unlicensed drivers. If the driver is underage, the system should flag the entry for review or reject it.

Insurance Policy Active on Accident Date

This validation confirms that the 'Accident Date' falls within the 'Policy Period From' and 'To' dates for Vehicle 1's insurance. This is crucial for verifying that the vehicle was legally insured at the time of the incident. If the accident date is outside the policy period, the submission should be flagged as potentially uninsured, which has legal consequences.

Vehicle Identification Number (VIN) Format

This check validates that the 'VIN' for Vehicle 1 consists of exactly 17 alphanumeric characters, as per the international standard. A correct VIN is essential for uniquely identifying the vehicle for registration, insurance, and recall purposes. An invalid format would prevent submission and require the user to re-enter the VIN correctly.

Mandatory Signature for Vehicle 1 Driver/Representative

This validation ensures that the 'Signature of Driver (or Representative*) of Vehicle 1' field is not empty. The form instructions explicitly state that an unsigned report is incomplete and may result in license suspension. Failure to provide a signature would block the form from being filed and display an error message highlighting the requirement.

And 8 more checks
  • Representative Signature Justification
  • Day of Week Matches Accident Date
  • Margin Code Validity Check
  • Injury Description Requirement
  • Conditional Fields for Vehicle 2 vs. Pedestrian/Bicyclist
  • Total Persons Involved Consistency
  • Damage Estimate Exclusivity
  • Reporting Threshold Verification

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How to Fill Out MV-104 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload your copy of Form MV-104, or select it from their template library.
  2. Provide the basic accident details, including the date, time, location, and whether police investigated the scene.
  3. Enter the information for all drivers and vehicles involved, such as names, addresses, license details, registration, and insurance policy information.
  4. List all individuals involved in the accident, including passengers, pedestrians, and bicyclists, and detail their position, safety equipment used, and any injuries sustained.
  5. Describe the damage to all vehicles and other property, provide a written narrative of how the accident occurred, and select or draw an accident diagram.
  6. Review all the information automatically populated by the AI for accuracy, make any necessary corrections, and then electronically sign and date the form to complete the process.

Common Mistakes in Completing MV-104

The ones the AI is built to catch.

Forgetting to Use Section B Codes
This form requires filers to look up numeric codes for weather, road conditions, traffic controls, and vehicle actions in Section B and enter them into small, numbered boxes on page 1. Many people overlook this or find it confusing, leaving the boxes blank. An incomplete report without these codes will be rejected, potentially leading to a license suspension for failure to file a complete report. To avoid this, carefully cross-reference Section B for every numbered box and ensure the correct code is entered.
Incomplete or Vague Accident Narrative and Diagram
The section 'How did the accident happen?' and the accident diagram are often filled out with insufficient or subjective detail. People may write a confusing story or fail to draw a clear diagram with vehicles properly numbered. This ambiguity can complicate insurance claims and liability assessments. To prevent this, provide a concise, chronological, and factual account of the events, and use the diagram space to clearly illustrate vehicle positions and movements at the time of impact.
Missing or Incorrect Insurance Information
Filers often provide incomplete insurance details, such as omitting the specific policy number or the 3-digit 'Ins. Code' required by the NYS DMV. This often happens when the insurance card is not readily available. Submitting a report without complete and accurate insurance information is a serious error that can lead to the rejection of the form and penalties for driving without proof of financial responsibility. Always have your most current insurance ID card handy when filling out the form to copy the information exactly.
Failing to Sign and Date the Report
An unsigned or undated report is considered invalid and will not be accepted as filed. In the stress of completing the detailed form, it is very common for the driver of Vehicle 1 (or their representative) to forget the final signature and date at the bottom of page 1. This oversight results in the DMV sending a 'Failure to Report' notice, which can lead to a driver's license suspension. Always double-check the bottom of page 1 before mailing.
Confusing Driver and Registrant Information
The form has separate sections for the 'Driver' and the 'Registrant' (registered owner), which can be confusing if they are not the same person, or tedious if they are. People may incorrectly enter driver information in the registrant section or leave the registrant section blank if they are also the driver. This leads to an incomplete report because the DMV needs to verify information for both the operator and the legal owner of the vehicle. Ensure both sections are filled out completely and accurately, even if it means repeating information.
Incorrectly Estimating Property Damage Costs
The form requires checking a box to estimate damage costs, with a key threshold being $1,000 for any one person's property. People often guess this amount, potentially underestimating the damage and failing to file a legally required report, which is a misdemeanor. Conversely, a significant overestimation might cause unnecessary complications. To avoid this, if the damage appears to be near the threshold, it is safest to get a preliminary estimate or to file the report to be compliant with the law.
Improperly Reporting the Accident Location
The 'Place Where Accident Occurred' section is complex, offering multiple ways to describe the location. Users often provide vague information, like 'Main Street,' without a cross-street or landmark, or they incorrectly fill out the distance/direction fields. An imprecise location makes the report difficult for authorities to process and can cause issues if the report is needed for legal proceedings. Be as specific as possible, using full street names, route numbers, and a clear intersecting street or landmark.
Leaving Fields Blank Instead of Using 'X' or '-'
The instructions state to enter an 'X' for unknown information or a dash '-' if a question does not apply. Many filers simply leave fields blank, which the DMV may interpret as an incomplete form rather than a 'not applicable' or 'unknown' answer. This can cause the report to be rejected and returned for correction, delaying the process. To ensure acceptance, go through every field and enter a dash or 'X' as instructed if you don't have the specific information.
Entering Personal Information That Doesn't Match Official Documents
The form repeatedly instructs to enter names and addresses 'exactly as printed on license' or 'exactly as printed on registration.' A common mistake is using a nickname, a current address that isn't on the license yet, or abbreviating names. These discrepancies cause data mismatches in the DMV's system, leading to processing delays or rejection of the form. Always have your driver's license and vehicle registration in front of you and transcribe the information precisely as it appears.
Incorrectly Handling Multi-Party Information
The form's layout is optimized for a two-vehicle accident, but people struggle when a pedestrian, bicyclist, or a third vehicle is involved. They may fail to check the correct box ('PEDESTRIAN', 'BICYCLIST') or try to cram information for a third vehicle into the margins instead of using a separate MV-104 form as instructed. This creates a confusing and inaccurate record. For any non-standard accident, it is critical to read Section A on page 2 for instructions on how to correctly report all involved parties.

Frequently Asked Questions About MV-104

 

Is it really free for 7 days?
Yes. You pay $0 today. Cancel before Nov 14 and you are never charged. Keep it, and it is $19.99 a month for 5 fills of your MV-104.
Can I fill other forms too?
This plan is for your MV-104: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
How do I cancel?
From your account, in two clicks, any time. No email, no call.
How does the AI fill out MV-104?
You answer a few questions in plain words, or upload your driver's license. The AI reads what you give it and puts each answer into the right field of MV-104, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is MV-104 to fill out?
MV-104 has a Form Complexity Index of 66 out of 100, in the complex tier: 180 fillable fields across 1 page. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
When am I required to file a Form MV-104 Report of Motor Vehicle Accident?
You must file this report within 10 days of any accident in New York State that results in a fatality, personal injury, or damage over $1,000 to the property of any one person.
What happens if I don't file the report within the 10-day deadline?
Failure to file within 10 days is a misdemeanor, and the DMV may suspend your driver's license and/or vehicle registration until the report is filed.
What information and documents should I have ready to complete this form?
You will need your driver's license, vehicle registration, and insurance policy information for your vehicle. It is also helpful to have the same information for any other drivers, vehicles, or individuals involved in the accident.
What should I do if I don't know some of the information required, like the other driver's license number?
If you do not know an answer to a specific question, the form instructs you to enter an 'X' or a dash ('-') in that field. You should still complete the rest of the form as accurately as possible.
My accident involved three cars. How do I report the third vehicle?
For accidents with more than two vehicles, you must fill out additional MV-104 forms. Use a new form for the third vehicle, placing its information in the space for 'VEHICLE 1' and labeling it as vehicle #3.
How do I fill out the form if I was in an accident with a pedestrian or bicyclist?
Enter your information in the 'VEHICLE 1' section. Use the 'VEHICLE 2' section for the other person and check the 'PEDESTRIAN' or 'BICYCLIST' box at the top of that column.
What are the numbered boxes in the right margin of page 1 for?
These boxes must be filled with numeric codes found in Section B on page 2. These codes are used to classify details about the accident, such as weather, road conditions, and vehicle actions.
Where do I mail the completed Form MV-104?
The original, signed report must be sent to the Crash Records Center, 6 Empire State Plaza, PO Box 2925, Albany, NY 12220-0925.
I was injured and can't sign the form myself. What should I do?
If the driver is unable to sign due to injury or death, a representative may sign on their behalf. The representative must check the box indicating the reason the driver cannot sign.
Can I use an AI tool to help me fill out this form?
Yes, services like Instafill.ai use AI to auto-fill form fields accurately and save time. This can help you complete complex reports like the MV-104 more efficiently and with fewer errors.
How can I fill out the MV-104 form online instead of by hand?
You can use a service like Instafill.ai to complete the form digitally. Simply upload the PDF to their platform, and it will become an interactive form you can fill out on your computer.
The PDF of the form I downloaded is not fillable. How can I fix this?
If you have a non-fillable or 'flat' PDF, tools like Instafill.ai can convert it into an interactive, fillable form. This allows you to type your information directly into the fields online.
What is the difference between Injury codes A, B, and C in the 'All Persons Involved' section?
These codes classify injury severity. 'A' is for severe injuries like broken limbs, 'B' is for visible but non-severe injuries like minor cuts, and 'C' is for complaints of pain with no visible injury, such as whiplash.
Do I need to draw a diagram of the accident?
You should circle one of the 9 pre-printed diagrams if it accurately describes the accident. If none of them apply, you must draw your own diagram in the space provided, numbering the vehicles involved.
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