Do I need a police report in order to file a claim?

Is a police report necessary to file the claim? I was in a small parking lot accident the other day. Since no one was hurt, we didn't call the police. I am about to file a claim with my carrier, but I realized since we didn't call the police, we don't have a police report.

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Since it sounds like you and the other driver worked everything out amicably, you do not need a police report to file the claim.
When you call to report your claim, make sure to provide the other driver’s name and policy information.
Be sure to submit any photos of the incident that you may have taken.
Insurance carriers recommend getting a police report mostly for your protection.
This way, you will have the other’s drivers’ information and it is less likely to be fraudulent. It also makes it harder for either party to make false claims about the damage or the events that lead to the accident.
There are times where a police report is required. For example, if:
  • anyone is hurt or killed
  • there is extensive physical or property damage
  • a car is stolen

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