This study investigates the delay declaration of the traffic insurance accident which is focused on a business truck causing the traffic insurance accident. The type of the delay declaration is classified as 15 types and it differs in level of payment of insurance money. It is most important that the support policy of government and the self-help of related business to reduce the delay declaration and pursue progressive solution. Moreover, it is essential not only introducing the strict regulation system but also adapting the various victim protection system.