The invention discloses a vehicle-mounted accident informing system, which comprises mobile intelligent electronic equipment and vehicle-mounted accident monitoring equipment arranged on a car, wherein the vehicle-mounted accident monitoring equipment comprises a vibration sensor, an infrared sensor, an inclination sensor, a processing module, a Bluetooth module and a GPS (Global Positioning System) module; the mobile intelligent electronic equipment comprises a processing unit, a Bluetooth unit and a remote wireless communication unit. When signals of the three sensors are greater than a preset threshold value, a phone call is made or a short massage is sent to a preset phone number through the system so as to inform the occurrence and place of an accident. By adopting the system, relevant departments or relatives and friends can be informed of the place of the accident in time, so that the death rate and disability rate in car accidents are lowered to the maximum extent, and the timelines of rescue is ensured. The invention further relates to a car accident informing method.