Do I need a police report to file an insurance claim?
Answer: A police report is not always legally required to open a claim, but it is extremely helpful.
Complete Explanation:
Insurance companies rely on police reports to verify the crash date, location, drivers, insurance carriers, witnesses, and basic facts. A report may also identify citations, contributing circumstances, weather, road conditions, and officer observations. If there is no report, you may still be able to make a claim using photos, witness statements, repair records, medical records, and other proof. However, lack of a report often gives the insurance company more room to dispute what happened.
