Do You Need a Police Accident Report to File an Insurance Claim?
Getting into a car accident can leave anyone feeling rattled. Your heart’s pounding, your mind is racing, and it’s not always clear what you are supposed to do next.
After you’ve made sure everyone is okay and exchanged information, a common question pops up: Do I need to call the police? And do you need a police accident report to file an insurance claim?
Let’s look at when you should get a police report, when you can skip it, and why it matters when it comes to filing a car accident claim with your insurance company.
Is a Police Report Necessary for an Insurance Claim?
Not always. Keep in mind that having one can definitely make your life easier.
If you were in an accident, no one was hurt, and you and the other driver calmly exchanged information, you can probably file a claim without calling the police. Most insurance companies will accept your photos, notes, and an explanation of what happened.
But if things were more serious, like someone was hurt, the cars were badly damaged, or the other driver left the scene, then it is a good idea to get a police report.

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