Will insurance pay if you do not have a police report?
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Asked March 8, 2011
While you can file a claim without a police report, your claim has a better chance of being settled quickly if you have one. Insurance companies use the police report as an impartial view of the situation, and determine who pays and how much they owe according to what the report says. Without a police report, the accident becomes a case of your word against the other person unless one of you can produce witnesses, and that could make things worse for you, not better.
The best rule of thumb is to always get a police report, even for minor traffic incidents. That way, if the person mysteriously develops a back pain a week or so later your insurance company will be willing to handle the claim. The most common reason for not getting a police report is that one or both persons did not have insurance, but accidents with less than $250 or so in damage are not required to have a report made out and many people just exchange information and go their separate ways.
Even if you do not get a police report, exchange information with the other driver. This should include the person's full name, their license plate and driver license numbers, the make and model of the vehicle, and a phone number or other contact information. Be wary of a person who does not want to exchange any information after an accident, as this could indicate that they do not have a driver license or insurance. You can still get the license plate and a vehicle description, and use that to file a claim with the insurance company.
Answered March 8, 2011 by Anonymous