Do I still need to report an accident to my insurance if no police report was filed?

"I exchanged insurance information with the other driver, but we didn't call the police. They hit me in a parking lot.

This is my first accident and I don't want my insurance to go up. What should I do?"

Answer provided by
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Emily Maracle
Answered on Jun 18, 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.
“Since you exchanged insurance information with the other driver, you’ll want to report the accident to your insurance company.
You want to inform them in case the other driver tries to file a claim against you. Your insurance will also be able to help determine who is at fault, even without a police report.
If the other driver is at fault, their insurance should cover the damage to your vehicle. If you’re at fault, your insurance will cover the damage to their vehicle.
If you have collision insurance and are at fault, your insurance will cover the damage to your vehicle.
While filing a claim with your insurance may cause a rate increase, it’s better than having to pay for any damages out of pocket.
If your rate increases, you always have the option of shopping around to find another carrier with a more affordable rate. You can use the free Jerry app to find the best rates online.”
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