How to File a Claim on a Car Accident with No Police Report

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Being involved in a car accident is one of the most stressful experiences a person can go through. Not only are you worried about injuries to yourself and others, but also to your car. Once you’ve made sure everyone is okay, you’ll probably start fretting over whose fault it was and whose insurance is going to have to payout.
With all that going through your mind, you might end up leaving the car accident with no police report and wondering how to file an insurance claim now. Don’t fret. You are still eligible for coverage, but there are things you need to keep in mind.

1. Gather information

Even if law enforcement is not involved and there is no police report, you can still file a claim with your insurance company. However, there is still information you need to obtain from all parties involved.
  • Name
  • Contact information
  • Insurance policy company and policy number
  • Vehicle registration and license plate number
You should also make a record of the location and time of the accident. If roads or visibility were affected by the weather, you should note that as well. Make sure to take photos of any damage to all vehicles involved, and especially your own.
Even if the police aren’t involved this time, if you’re ever in another accident in which they are, make sure to get the officer’s badge number and a copy of the accident report. If the accident report is not readily available, the officer should give you information on how to obtain it.

2. File claim

You do not have a police report, but you can still file a claim. In fact, no matter if you have a report or not, you should report the incident to your insurance company because you are protected by your coverage. Also, you may be able to seek damages from the other party involved if your insurance company finds them at fault.

3. Proof of fault

Without a police report, you will have to assist in proving your case for a claim and possibly a civil case against the other driver. Besides providing the information listed above to your insurance company, there are other details that will come in handy.
If there are any witnesses, make sure to get their names and contact information. Keep track of all your medical bills, repair costs, and any other expenses you have had to incur due to the incident. With no police report, you will not have the benefit of a neutral expert witness to the accident.

4. Report the accident

You already know you should report the accident to your insurance company, but did you know you can report it to the police as well? Often, the police can’t come to the scene of a car accident because they are involved in something more urgent. However, you can still call in the incident and get a police report. At the very least, there will be a record of you reporting the accident, which will look favorably on you.
Also, if you call in the accident and the incident is minor, you do not necessarily have to file a claim. It is just important to have a record of what happened with your insurance company in case something comes up later.
Now you know if you are involved in a car accident with no police report, you can still file a claim. The most important thing to remember is to get as much information you can on all parties involved and the details on the accident. Keep your insurance company informed so you are covered by your policy. Don’t wait to make your claim. Your insurance company will guide you through the process.

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