A police report is not required to file an auto insurance claim. Having a police report filed can speed up the claims process for the insurance company.
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While it is not always required to file a police report to make an auto insurance claim, there are some cases in which it may be necessary. This includes a situation in which the other driver flees the scene. It is a crime to flee the scene of a car accident. If the other driver flees the scene and you do not file a police report, the insurance company may question your story.
In all circumstances, the insurance company would prefer to have a police report. This speeds up processing time by providing detailed information to your insurance company. Any details, information or pictures you can provide them will also help when you file your auto insurance claim.
Why would I need a police report?
The auto insurance company will ask you if you’ve filed a police report, but they shouldn’t require it unless a driver flees the scene. There are circumstances in which the other driver may wish to avoid filing a police report for a number of reasons. This may not be a good idea.
The other driver may offer you a cash settlement to avoid bringing the police in. You may not be able to adequately determine the nature of the damage on your vehicle at the scene of the accident. This is the first reason to avoid making a settlement with somebody for your own protection.
If the person does not want to have a police report filed, it may be that they are driving without insurance. You want to try to obtain contact information and file a police report. If the person attempts to drive off, make sure to obtain the license plate.
It is your responsibility to report a crime if you witness something in action. If damage is done to your vehicle and police report is not filed, you should still be able to make a successful claim. The most noticeable difference will be the speed at which your claim is processed.
When am I expected to file a police report?
There are also occasions when you are expected by law to file a police report. This includes if a person is injured during the accident. If you have sustained any injury during the accident, it is in your best interest to file a police report. This includes any injury no matter how minor it seems.
Something in the heat of the moment can seem minor and not a big deal. If you don’t file a police report, there is no record stating that you were injured during this accident.
Filing the police report when you are injured during an accident helps to ensure that this can be covered by your auto insurance policy. If you don’t report it at the time of the accident, then you may have to rely on your medical insurance to cover an injuries sustained in the accident.
The same applies for anyone else involved in the accident. If you have a passenger that is injured, file a police report. Make sure the drivers and passengers in the other vehicle or vehicles are okay. You do not want to risk driving away from the scene if somebody is injured.
Can I avoid a police report?
You can avoid filing a police report if the other driver agrees. You will want to get the person’s contact information, insurance and license plate number. You won’t need anything else to file a claim with your insurance company.
If the accident was something that was your fault, you may wish to avoid filing a police report. If you rear-ended the other driver, the police officer may issue you a citation.
It is against the law to flee the scene of the accident. You will want to make sure you are on the same page with the other driver if you are going to leave without filing a police report. You will have to wait longer for your claim to be processed, but in this case it may be worth it to avoid having a fine to pay and a traffic ticket on your driving record.
As long as no drivers have prematurely left the scene and there are no injuries to report, it may be acceptable to avoid filing a police report.
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