How long do you have to report an accident to another persons insurance?

I was hit from the back this morning. it was totally the other lady's fault, she doesnt deny it at all. We were both on our way to work so we exchanged info and split. She asked me not to tell her insurance, she would just cut me a check.

I dont trust her, but i sympathize, I was gonna give her a chance to pay me on her own. If she doesnt do so by Friday, can i still Tell her insurance and claim it then?

i left it a week when the same thing happened to me.
there was not a problem.
in this case i knew the person from work and they could not do a runner or give wrong info.

think why you trust this woman and if your not absolutely sure get on the phone!!!

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