Can you file an insurance claim without a police report?
Yes, you can file an insurance claim successfully for your accident without a police report. While it is an essential document that insurance carriers may ask for, there are instances where police officers may not even respond to the scene of an accident. Generally, if the accident was minor and no injuries are identifiable, sometimes, officers may decline to come out. Therefore, if you don’t have a police report, it won’t determine whether your insurance carrier will file a claim or not.
One thing you do want to be mindful of, however, is that because a police report provides key evidence from an auto accident, without it, your insurance carrier might take longer than expected to process your claim. Another thing to be cognizant of is that the other driver could very claim that their injuries were delayed and they are no suffering from severe pain. In this case, it becomes your word against theirs, and no police report to back your claims up.
If this happens, you are highly encouraged to reach out to one of our skilled accident attorneys located in Palm Bay, Florida who can assist with the matter. The last thing you need is for a driver to try and file a personal injury lawsuit against you for damages you didn’t cause.
What should you do if your accident is minor and an officer doesn’t come out to assess the scene?
Because a police report contains key information from a third-party, you may want to try and document some of the information that the report would have contained. This includes:
- Date and time of the accident.
- Exact location of where the accident occurred.
- A brief description of how the accident transpired.
- The weather and the roadway conditions. This may have played a role in what caused the accident to transpire and could help your insurance company speed up the process of getting your claim filed.
- Vehicle description such as damage, make, model, and tag number
And our accident attorneys remind you to exchange information with the driver. You will want to document their name, phone number, driver’s license number, and jot their insurance information.
Would you like to schedule a free consultation with one of our accident lawyers in Palm Bay, FL?
In some instances, your car accident claim may be filed with no issue, even without a police report, and in other instances, things don’t run as smoothly. Claims are often denied, delayed, and rejected, and that is when you might want to consider consulting with a local car accident lawyer in Palm Bay. Even if your accident was minor, even the smallest of repairs could cost you hundreds of dollars with the cost of labor included.
Therefore, to avoid having to deal with the frustration associated with getting a claim filed without having a police report, enlist the help our highly-recommended accident lawyers in Palm Bay, FL can offer. We have agents ready to take your call and get you placed in touch with an attorney nearby by to you.