Can I still file a claim for hitting an animal if I didn't file a police report?

I hit a deer, but wasn't able to call the police at the scene. I took a picture of the damage and have full coverage. It happened a few hours ago; can I still file a claim?

Answer provided by
Emily Maracle
Answered on Jun 23, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“You can still file a claim under your comprehensive insurance. If you’re able to, you should always try to call the police after an accident. This will ensure that they can provide your insurance with an accident report to verify what happened.
Even though you didn’t report the accident to the police, you’ll be able to report the damage to your insurance. Since it happened a few hours ago, you shouldn’t have an issue submitting a claim. They’ll likely want to see proof of the damage and may send out an adjuster to review the details of the collision.
If they approve the claim, you’ll be responsible for your deductible and your insurance will cover the rest.”

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