Why A Police Report is Important in an Auto Insurance Claim

Why A Police Report is Important in an Auto Insurance Claim

One of the steps those involved in an automobile accident are encouraged to take is to file a police report. In fact, in most states, where the incident is significant or injuries are involved, filing a police report is required by law. In a small incident, however, like a fender bender or an accident that takes place on private property, it can be tempting to forego the police report and exchange information instead. This can create some problems down the road. Here is why an automobile accident report is important in an automobile claim.

A Police Report Documents the Accident Occurred

This sounds simple enough, but more than anything, a police report documents that an incident occurred. This is critical should one party or another deny their presence at the incident at a later date. Those involved need to show their driver’s licenses, registration and proof of insurance during the report.

Falsifying a Police Report Is a Crime

While an individual may not be honest about the information exchanged at an accident scene, providing false information to the police is a crime. This makes is far more likely the driver information on a police report is accurate.

Citations Will Be Noted

If a driver was cited for an accident, any citations will be noted in the police report. This is very valuable in determining an at-fault party.

It Is Valuable in Filing an Insurance Claim

A police report becomes the “go to” report for insurance companies in determining who should pay for an insurance claim based on details of the incident and coverage  carried by the drivers. It contains just about every detail and every piece of data required to file a claim.

If you are involved in a damage accident, take photos of the scene, the damage and those involved, take notes and get names of any witnesses. Of course, if any injuries are suspected, medical help should be sought. You also want to make sure a police report is filed documenting the details of your accident.

Are you overpaying for your automobile insurance? If you haven’t compared recently, how would you know? Let our independent experts do the comparing for you. Contact us today for a no-obligation insurance review and price quote. Make sure you are getting the most from your auto insurance budget.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Mind-Blowing Trivia: Random Facts to Spark Curiosity

From mountain heights to shoe counts: Random facts that will surprise you.

Punching Above Your Weight: Building a Strong Brand to Compete with Giants

Small business, big impact: Building a brand that rivals the competition.

Life Insurance: Investment or Protection? Decoding Cash Value Policies

Is life insurance an investment? Understanding cash value policies.

Independent vs. Captive: Choosing the Right Auto Insurance Agent

Unlock more choices: Understanding independent vs. captive insurance agents.

Deluges of Disaster: Remembering America’s Most Devastating Floods

From Johnstown to New Orleans: Remembering the fury of America’s historic floods.

Beyond the Theme Parks: 7 Unique Florida Experiences

Discover a different side of Florida: 7 unique adventures.

Turning Negatives into Positives: Mastering Online Reputation Management

Don’t fear negative reviews: Learn how to manage your online reputation.

From Picky Eaters to Healthy Habits: Nurturing Lifelong Wellness in Children

Beyond the clean plate: Fostering healthy eating habits that last a lifetime.

Road Rage and Reckless Driving: Are We Forgetting the Rules of the Road?

Are today’s drivers losing their way? A refresher on essential driving skills.

The Evolution of Sports Franchises: Changes and Future Prospects

Dive into the history of sports franchise changes and explore which teams might need a rebranding.