Suppose you’ve recently been involved in a minor car accident. No one was seriously injured, and only minor damage can be seen on both cars’ exteriors. Is it possible to simply exchange insurance information and drive away without involving the police? Yes, but that is not advisable. You should always report a car accident and obtain a copy of the accident police report no matter how minor the injuries are.
After a car accident, no one is at their peak performance. You will most likely be shaken up and unable to make a clear assessment of your current situation. This is why you need police officers. They can identify and assist with potential problems.
It also means that they will deal with the other party on your behalf, providing some objectivity and relieving a great deal of stress. The police will question all of the parties involved and fill out the rest of the report’s details.
Why You Need a Police Report
1. Failing to Report Might Be Illegal in Your State
Car accident laws differ from one state to the next. Some states require you to report any accident involving an injury, no matter how minor. If the damages exceed a certain amount, usually $1,000 or more, other states will compel you to report the accident. As a precaution, you should always report a car collision to the police, even if it is small.
Different states also have rules requiring you to notify the DMV. Failure to report an accident can result in fines and potentially the termination of your driving license.
2. Your Auto Insurance Company May Require It
Even if you were not at fault, a police report from the car collision might be required to determine fault. An insurance adjuster would almost certainly want a police report to establish which driver was at fault. If you don’t have one, things become very complicated and costly, especially if you involve attorneys.
And even if the other motorist admits fault to you before the collision, they may change their narrative afterward. This frequently occurs when the other motorist discovers the full extent of the accident’s financial consequences. Therefore, having a police report can assist you in determining the circumstances surrounding the accident and make the insurance claim procedure considerably smoother.
3. The Other Driver May Claim Additional Damage After the Accident
After an accident, one of the most popular ways for people to commit insurance fraud is to cause further damage to their vehicle. Why? The more damage to the car, the larger the insurance claim payment check. Having a police report from a car accident can help you avoid these problems.
4. Your Car Accident Injuries May Worsen Over Time
Have you ever been injured or whiplashed, but didn’t realize it till the next day? After a minor vehicle collision, the same thing can happen. Even if you feel okay, getting a car accident report is an excellent idea. In addition, without a police report, the at-fault driver’s insurance company may refuse to pay your medical bills.
5. It Serves as Proof That Your Accident Actually Happened
The offending driver may argue that the accident never happened if there is no police report. Your insurance claim will just be your word against theirs unless you have dashcam footage of the accident. So, basically, a car crash with no police report situation will be a terrible outcome.
Always Ensure You Obtain a Police Report
Injury symptoms may not appear for a day or two after the accident. Therefore, it may be more difficult for you in the long run if you did not file a police report and there is no record of the accident. Additionally, it will make it more difficult to obtain coverage for your medical bills.
Always contact the cops in the event of an accident. If the police do not arrive, make sure you record all of the specifics of the accident. This may include any damages to your vehicle or yourself.