Call Us CALL US TODAY | 352.332.0180
Auto Insurance PERSONAL AUTO
Auto Insurance COMMERCIAL AUTO
Homeowners Insurance HOME
Business Insurance BUSINESS
Toy Insurance TOYS
Contractors Insurance CONTRACTORS

When to Make a Police Report for an Auto Accident

After an automobile accident, most people are a bit confused, tense and frightened. And the last thing on your mind at the time is trying to figure out whether you need to report the accident to law enforcement authorities, and what your insurance company requires of you.

Depending on the nature or location of the accident, different law enforcement authorities will get involved, such as the Highway Patrol, city police or the county sheriff's office. For example, an accident within the city limits will most always be handled by the police.

Regardless of which authority responds, you should always make a report when an auto accident involves injuries and/or severe damage to any vehicle.

Your insurance company may also require you stay on the scene and report the accident to law enforcement, even in cases where the other driver flees the scene.

 

Counter reports

Some insurers will accept a counter report. The responding officer may provide you with a counter report, or you may need to go to the nearest station to complete the form there.

Counter reports are common in larger jurisdictions when the responding officer sees that the vehicles involved are still in working order and no one is injured. Regardless, once the form is filled out, make sure to keep a copy and submit it to your insurance carrier.

Even if the accident doesn't involve one of the above elements, there are certain situations when it can be useful to have law enforcement respond and secure an accident report. For example, the other driver might admit blame and offer you cash to repair your vehicle, yet refuse to provide their insurance or contact information. 

Even if the other driver does offer you their personal contact information in such a situation, you still have no way of knowing if the information is genuine. 

Additionally, due to any stress or confusion you're experiencing after the accident, you may forget to collect the pertinent information and important details of the accident.

In these situations, making a police report would be crucial because the officer would collect and verify both drivers' names, addresses, phone numbers, car license plates, insurance information, details of the accident and any injuries.

Basically, most details that a court or insurance claims adjuster would need would be included in the police report.

Finally, even though a police report may be necessary for many accidents, you should try to remember to write down all the information yourself. Depending on the jurisdiction, it can often take weeks to months for the insurance adjuster to request and obtain a copy of the accident report.

Don't rely on law enforcement to provide this information to the insurer. If you have all of the information in hand, particularly the other driver's, the claims adjuster can initiate an investigation immediately.

Thank you for visiting the Partners Insurance Agency blog. We hope you found our content helpful and informative.


Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016


View Mobile Version
Facebook
Twitter
LinkedIn
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
© Copyright. All rights reserved.
Powered by Insurance Website Builder