Is a Police Report Required to File a Claim on Auto Insurance?

Many drivers are curious as to whether they can submit a claim for their auto insurance even in the absence of a police record. Yes, you can submit a claim with your auto insurance without a police report, but there are a few things to keep in mind. For the purpose of determining who is at fault in an accident, a police report is invaluable. But starting the claims procedure isn't always necessary. You can still proceed with submitting a claim if you know the insurance policy number and carrier for the other vehicle. But you should be aware of the importance of a police report and how it could impact how your claim turns out. 

Why a Car Accident Police Report Is Important

Following an automobile collision, a police report fulfills several functions and is essential for recording the event. An official record of the accident that includes the incident's date, time, and place is provided by a police report. It provides an objective description of the events, including details about the people involved, any witnesses, and any injuries received.

Police personnel are trained to gather evidence, and they usually show up at the accident scene quickly. They collect pictures, interview witnesses, and evaluate the actual damage. When evaluating who is liable and how much damage has been done, this evidence can be quite helpful.

Together with your auto accident lawyer, a police report might help determine who was at responsibility in the collision. The police officer may identify the person they think caused the collision based on their observations, the statements made by those who were involved, and any applicable legal requirements. The outcome of this decision may have a big influence on future and current insurance claims.

The claims process can go more quickly if there is a police report. With the information in the report, insurers may decide on liability and reimbursement quickly, cutting down on delays and guaranteeing a more seamless claims process.

What Occurs If There Is No Police Report?

There are numerous situations in which an official police report of the accident may not exist. The police might decide not to come to the crash site if your accident did not result in significant damage or injuries. Law enforcement officials might also decide not to intervene in an accident that happens on private property unless there are serious injuries.

You have the option to report the collision to the authorities on your own, even in the event that no officers arrive at the scene and record a report. Just give your local law enforcement agency a call and report that you were involved in a minor collision. They will guide you through the accident reporting process. 

After a car accident, the best course of action is to speak with a west palm beach car accident attorney once to safeguard your legal rights. 

What Is the Time Limit for Filing a Car Accident Claim?

You need to be aware of the statute of limitations even in the absence of a police record. Victims of serious auto accidents have just two years after the incident to bring a lawsuit or make a claim.