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

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

Read More Blogs

Beyond Pizza and Promises: Recognizing When It’s Time to Hire Professional Movers

Time to call the pros? Learn when pizza and beer just won’t cut it for your next move.

Mapping Our Roots: Uncovering the Stories Behind American City Names

City names revealed! Discover the historical, religious, and geographical influences behind the monikers of American cities.

The Agile Approach: Why Short, Focused Plans Are Overtaking the Mammoth Business Blueprint

Ditch the doorstop plan! Discover why concise, adaptable strategies are the new gold standard for business success.

Embracing Tomorrow: The Practical Power of Planning for Life’s Only Certainty

Face the future with confidence: Understand how planning for life’s only certainty with life insurance can provide lasting security.

Steering Your Savings: Taking Control of Your Car Insurance Rates

You’re in the driver’s seat! Learn how your credit, driving habits, vehicle choice, and smart shopping can lower your car insurance costs.

Underfoot Upgrade: Transforming Your Garage Floor from Forgotten to Fantastic

Don’t ignore your garage floor! Discover easy and impactful ways to upgrade this often-neglected area of your home.

Unwrapping the Wiener: A Deep Dive into the History and Lore of the Hot Dog

Beyond the bun: Discover the surprising history, varieties, and enduring appeal of America’s favorite tubular treat.

The Untapped Power of Collaboration: Why Asking for Help Fuels Business Success

Stop going it alone! Discover how leveraging the expertise of others can relieve pressure and drive your business forward.

Navigating the Grandparenting Journey: Understanding Today’s Families

Grandparenting today: Learn key shifts in family dynamics to build stronger connections with your children and grandchildren.

Mapping Our Paths: The Fascinating Reasons Behind Our Road Networks

The story behind the asphalt: Explore the geographical, historical, and planning influences that shaped our modern road systems.