That's for going to the "Accident Reporting Center"... or what ever it's called.
If the claim is $1500 or more the insurance company wants a police report... AND the police, that don't attend minor collisions any more, were missing on charging drivers with "follow too close", illegal turns and such and the police use those forms as investigative tools to lay charges against drivers.
But the contract with your insurance company says something like " the insured must report any material change in risk"... the key word here is "ANY".
If having a full ashtray constitutes having a "material change in risk", you are obligated to report that full ash tray to your insurance company, every time it gets full... and I guess by extension; every time you empty it.
It is not out side your contract to settle a collision loss for cash on the side of the road, BUT you MUST inform your insurance company, as per your contract, that you were in that collision, AND the insurance company is well within their rights to use the facts of that collision to change the price of your policy AND demand a vehicle inspection, that you'll pay for, for continued coverage
And this, folks, is why lying/intentional omittance is often advantageous for the customer.
Just don't get caught lol