Who does an insurance agency report an accident to and how bad does the accident have to before the insurance agency reports it?

Unless it is a first party claim and the agent has draft authority or the authority to settle some minor claims, ALLclaims must be reported to the claims dept. of your insurance carrier. If you have an agent that is refusing to file a claim, you need to contact the company directly or your states dept. of insurance, they take this kind of thing goVERY SERIOUSLY....GOOD LUCK !! If you need more help let me know more details and I'm sure I can find information for you regarding whom you should contact........