Guam Traffic Accident Reporting Over $750 Damages

Guam reporting a traffic accident to authorities for damages over $750 is a legal requirement you can’t afford to overlook. If your collision causes property damage exceeding that threshold, you must file an official report or risk penalties, insurance headaches, and even license suspension.

As of 2026, Guam’s Department of Motor Vehicles enforces this rule under local traffic statutes, and the clock starts ticking the moment the accident happens. Here’s what you need to know to stay compliant and protect yourself.

Failure to report can lead to fines or license suspension.

Why Reporting a $750+ Accident in Guam Matters

This isn’t just paperwork. Reporting ensures legal protection for all parties involved. Without an official record, you risk being held financially responsible for damages you didn’t cause.

It also triggers your insurance coverage. Most policies require a police or DMV report to process claims for accidents over this threshold. Skipping this step often means your claim gets denied.

Guam’s $750 Reporting Rule: What Counts as “Over”?

The $750 threshold includes all property damage to vehicles and other property. This means if the combined repair costs for both cars exceed that amount, you must report it.

Estimates can be tricky. If you’re unsure, it’s safer to report. Even minor damage to luxury vehicles or multiple cars can quickly surpass $750.

Common misconceptions include thinking only the other driver’s damage counts or that your own insurance estimate is the final word. The law looks at the total property damage, regardless of who’s at fault.

Police Report vs. DMV Crash Report: Which One Do You Need?

If police respond to the scene, they’ll file a report. You still need to submit a DMV crash report (Form 13C) if damages exceed $750.

If police don’t come to the scene, you’re responsible for filing the DMV report yourself. This is common in minor accidents where no one is injured.

Here’s the key difference:

• Police report: Created by officers at the scene, includes their assessment of fault.
• DMV crash report: Your official statement to the government, required by law for damages over $750.

Step-by-Step: How to Report a Reportable Accident in Guam

At the Scene: What to Do First

Stop your vehicle immediately and check for injuries. If anyone is hurt, call 911 right away.

Exchange information with the other driver. Get their name, contact details, insurance info, and vehicle registration. Take photos of the damage and the scene.

If the damage appears to exceed $750, call the police to the scene. Their report will document the incident officially.

Filing the Official DMV Crash Report (Form 13C)

You can get Form 13C from the Guam DMV website or in person. Fill it out completely, including all vehicle details and a description of how the accident happened.

Submit the form within 5 days of the accident. You can do this online, by mail, or in person at a DMV office. Keep a copy for your records.

Submitting and Confirming Your Report

Once you’ve completed Form 13C, submit it through the Guam DMV’s online portal or in person. Online submissions get a confirmation email immediately. In-person filings receive a stamped copy as proof.

If you mail it, use certified mail with return receipt. This gives you proof of submission in case of disputes. Keep your confirmation or receipt for at least three years.

Deadlines and Penalties: What Happens If You Don’t Report?

You have 5 days from the accident date to file. Missing this deadline can result in a misdemeanor charge. The DMV may also suspend your license until you comply.

Insurance companies often deny claims for unreported accidents. This leaves you personally liable for all damages. The other driver’s insurer could also pursue you for their client’s costs.

Common Mistakes That Invalidate Your Report

Filing late is the most common error. Even one day past the deadline can cause problems. Always submit as soon as possible.

Incomplete forms get rejected. Double-check all fields, especially vehicle details and accident descriptions. Sign and date the form before submitting.

Another mistake is underestimating damage. What looks minor can cost more than $750 to repair. When in doubt, report it.

How This Affects Your Insurance Claim

Your insurer will ask for the police or DMV report. Without it, they’ll likely deny your claim. This applies to both at-fault and not-at-fault accidents.

The report helps determine fault. This affects who pays for damages and whether your rates increase. Accurate details prevent disputes later.

Some policies require you to notify them immediately. Check your contract. Even if you’re not at fault, prompt reporting protects your coverage.

Special Cases: Hit-and-Run, Rental Cars, and Tourists

Hit-and-run accidents still require a report if damage exceeds $750. File with the DMV and notify police. Your uninsured motorist coverage may apply.

Rental cars follow the same rules. The rental company will expect a copy of the report. Your personal auto insurance or credit card coverage may help.

Tourists must report too. Guam’s laws apply to everyone driving on the island. Your home country’s insurance may not cover you abroad, so check before driving.

Guam-Specific Resources and Where to File

The Guam Department of Motor Vehicles handles all crash report filings. Their main office is in Dededo, and they also have kiosks at the Plaza de España in Hagåtña.

For legal guidance, consult the Guam Code Annotated Title 11, which governs motor vehicle laws. The Guam Police Department’s Traffic Unit can also answer questions about on-scene procedures.

If you need help understanding your rights, contact the Guam Department of Finance and Administration. They oversee DMV operations and can direct you to the right office.

Frequently Asked Questions