A communications hub providing a repository of vehicle crash information communicated by a mobile communications device and of vehicle crash data records provided by crash event servicers, in a crash detection, response and reporting system that determines a possible crash event by periodically evaluating (a) changes in a motion signal and (b) crash sound indicators of one or more of (i) motor vehicle glass breakage, (ii) metal folding, (iii) contact thud, and (iv) tires screeching, and upon a failure to respond within a predetermined period to a notice of possible crash event, communicating an identifier and crash incident information to a dispatch center as first notice of loss for dispatching a response servicer and maintaining the repository to facilitate resolution of the claims arising from the vehicle crash event.