Should I File a Police Report for a Minor Accident?

Written by on 10/19/2017 5:44 AM . It has 4 Comments.

fender bender

When you get into a minor accident, you really just want the hassle and headache to go away. It’s not uncommon to skip steps or think that things like police reports don’t matter, especially when it was “just” a fender bender. But it’s important to always file a police report after an accident, no matter how minor it seems.

Here are eight reasons why you need to file a police report.

It’s the Law

Did your accident result in an obvious injury or damage? The law in most states requires a police report. Because each state applies the law differently, it’s best to go ahead and call no matter what. Trying to figure out if your accident applies to the law is too complicated and time-consuming.

You Disagree with the Driver

The driver stopped and is willing to swap information. That’s good. What isn’t good is that you don’t agree on what happened or why. Getting a police report can help clarify the details and get everyone’s perspective in writing. 

The Other Driver Won’t Cooperate

You’re trying to do what’s right and share insurance information. The other driver refuses to give you what you need. Maybe they won’t even speak to you. Call law enforcement. You don’t have the authority to compel them to cooperate, but they do.

The Other Driver Left the Scene

You might think it’s hopeless once the other driver speeds away. How will anyone catch them and how will you get the damage fixed? Contact law enforcement immediately. It’s illegal to leave the scene of an accident. And even if you never get their information, you’ll have an official record of the accident to give to your insurance provider.

You Might Overlook an Important Detail

In the immediate aftermath of an accident, it’s understandable that you might be shaken up or confused. Even if you think you’re fine, it’s possible to overlook an important detail. Having law enforcement there to file a report will catch things you might miss.

Your Damage or Injury Might Be Worse Than You Realize

After a minor accident, it’s easy to brush off the ding in your bumper or the twinge in your shoulder. It’s not until days later that you realize the damage will cost thousands of dollars to repair or that you have a serious injury. Having a police report provides documentation of the accident especially if the other driver tries to deny that an accident happened in the first place.

The Other Driver Might Deny the Accident

Let’s say you worked out a “deal” with the driver, and they promised to pay for your expenses later. You both leave the scene, but a few weeks later, you haven’t heard from them. It takes forever to find them, and when they do, you can’t make them pay or even admit they were in an accident. Never accept cash in lieu of filing a claim - it never works out well.

The Claims Process is Faster

With a police report, even for a minor accident, the entire claims process is much faster. This will be especially important if you don’t realize until later that you’re injured or the repairs are too expensive.

There are two times law enforcement may not be able to file a report for you. The first is if you call during bad weather or another time when there are a lot of serious accidents on the road. Law enforcement will ask if anyone is injured and then let you know they can’t make it. The other time is if the fender bender happens on private property like a driveway or a private company’s parking lot. Police reports aren’t available for car accidents on private property.

The bottomline is that you always need to file a police report, no matter how minor the accident may seem. Doing so protects you and helps with your insurance claim later.

Comments

Got something to say? Join the discussion ยป
  1. Car Insurance's avatar Car Insurance

    There is no dearth of car insurance companies in India. So, you have to compare car insurance companies to find out the best car insurance company in India. You should buy car insurance online from the best car insurance companies.Quick and hassle free policy available at the click of your mouse at https://www.gibl.in/car-insurance/
    Reply 3/22/2018 5:26 AM
  2. caijuan83's avatar caijuan83
    http://www.fitflopsshoes.us.com/ fitflop shoes
    http://www.pandorajewelryrings.us.com/ pandora charms
    http://www.fitflops-sale.us.com/ fitflop sandals
    http://www.curry4-shoes.us.com/ curry 2
    http://www.adidasnmdrunnerr1.us.com/ nmd
    http://www.kyrie-4.us.com/ kyrie 2 shoes
    http://www.pandorajewelryscharms.us.com/ pandora bracelet
    http://www.longchampbag.us.com/ longchamp le pliage
    http://www.yeezyboost350shoes.us.com/ yeezy v2
    http://www.pumafentyrihannashoes.us.com/ rihanna puma shoes
    http://www.jordan11spacejams.us.com/ jordan 10
    http://www.katespadepurses.us.com/ kate spade tote
    http://www.jordans11shoes.us.com/ jordan space jams
    http://www.lebron15-shoes.us.com/ lebron 15
    http://www.adidasyeezy-350.us.com/ adidas yeezy
    http://www.pandora-jewelrysale.us.com/ pandora rings
    http://www.adidas-ultraboost.us.com/ adidas boost
    http://www.louboutinredbottoms.us.com/ red bottoms
    http://www.hermesbirkin-handbags.us.com/ hermes birkin
    http://www.kd10-shoes.us.com/ kd
    http://www.airmax90shoes.us.com/ nike vapormax
    http://www.birkenstocksandalssale.us.com/ birkenstock outlet
    http://www.nikeairvapormaxflyknit.us.com/ nike air max
    http://www.salomonspeedcross3.us.com/ salomon shoes
    http://www.nikeairmax-90.us.com/ air max 90
    Reply 4/27/2018 11:04 PM
  3. caijuan83's avatar caijuan83
    http://www.adidasnmdrunnerr1.us.com/ adidas nmd
    http://www.longchampbag.us.com/ longchamp bag
    http://www.louboutinredbottoms.us.com/ red bottoms
    http://www.jordan11spacejams.us.com/ jordan 7
    http://www.katespadepurses.us.com/ kate spade new york
    http://www.hermesbirkin-handbags.us.com/ hermes birkin bag
    http://www.salomonspeedcross3.us.com/ salomon speedcross 4
    http://www.airmax90shoes.us.com/ nike vapormax
    http://www.kyrie-4.us.com/ lebron james shoes
    http://www.adidasyeezy-350.us.com/ adidas yeezy boost 350 v2
    http://www.curry4-shoes.us.com/ curry shoes
    http://www.fitflopsshoes.us.com/ fitflop uk
    http://www.nikeairvapormaxflyknit.us.com/ nike air max 2016
    http://www.pandora-jewelrysale.us.com/ pandora
    http://www.nikeairmax-90.us.com/ nike air max 2017
    http://www.birkenstocksandalssale.us.com/ birkenstock outlet
    http://www.pumafentyrihannashoes.us.com/ puma clyde
    http://www.yeezyboost350shoes.us.com/ yeezy v2
    http://www.pandorajewelryrings.us.com/ pandora jewelry
    http://www.lebron15-shoes.us.com/ lebron 10
    http://www.pandorajewelryscharms.us.com/ pandora jewelry official site
    http://www.fitflops-sale.us.com/ fitflops clearance
    http://www.adidas-ultraboost.us.com/ ultra boost
    http://www.jordans11shoes.us.com/ new jordans
    http://www.kd10-shoes.us.com/ kd
    Reply 5/14/2018 11:37 AM
  4. yaling45's avatar yaling45
    http://www.pandorauk.us.com/ pandora charms
    http://www.yeezyboost350--v2.us.com/ yeezy boost 350 v2
    http://www.moncler-coat.us.com/ moncler jacket mens
    http://www.ultra--boost.us.com/ ultra boost mens
    http://www.pandora-charmsjewelry.us.com/ pandora rings
    http://www.mulberrys.org.uk/ mulberry bag
    http://www.ed-hardys.us.com/ ed hardy clothing
    http://www.goyardbackpack.us.com/ goyard backpack
    http://www.james-hardenshoes.us.com/ harden vol 1
    http://www.oakley--glasses.us.com/ oakley
    http://www.nikeair-max90.co.uk/ air max 90
    http://www.chrome--hearts.us.com/ chrome hearts necklace
    http://www.nike--vapormax.us.com/ nike vapormax
    http://www.rayban--glasses.us.com/ ray ban wayfarer
    http://www.coach--bags.us.com/ coach purses
    http://www.polo-ralph-lauren.org.uk/ ralph lauren shirts
    http://www.skechersuk.co.uk/ skechers for men
    http://www.true--religion.us.com/ true religion jeans men
    http://www.fitflop--shoes.us.com/ fitflop uk
    http://www.nikekdshoes.us.com/ kd shoes
    http://www.adidas-yeezyboost350.us.com/ yeezy boost 350
    http://www.huaraches.us.com/ nike huarache
    http://www.birkenstocksandalssale.us.com/ birkenstock
    http://www.nikeairmax97.co.uk/ air max 97
    http://www.air-max-270.us.com/ nike air max 270
    http://www.mcms.us.com/ mcm
    http://www.pandorajewelryrings.us.com/ pandora rings
    http://www.fitflop--sandals.us.com/ fitflop shoes
    http://www.barbours.org.uk/ barbour jacket
    http://www.nikeair-max.co.uk/ nike air max
    http://www.mulberry-handbags.us.com/ mulberry bag
    http://www.eccoshoesoutlets.us.com/ ecco
    http://www.supreme--clothing.us.com/ supreme clothing
    http://www.prada--handbags.us.com/ prada purse
    http://www.pandoras-jewelrys.us.com/ pandora rings
    http://www.ray--ban.us.com/ ray ban
    http://www.rayban-glasses.us.com/ ray ban glasses
    http://www.uggs--boots.us.com/ uggs for men
    http://www.adidasoriginalsultraboost.us.com/ adidas ultra boost uncaged
    http://www.monclers.uk/ moncler jacket
    http://www.yeezyboost350shoes.us.com/ yeezy
    http://www.chromeheartsjewelrys.us.com/ chrome hearts necklace
    http://www.longchampbag.us.com/ longchamp le pliage
    http://www.montblancs.us.com/ mont blanc pens
    http://www.nikeairmax-90.us.com/ nike air max
    http://www.redbottoms-louboutin.us.com/ louboutin shoes
    http://www.coachbags-outlet.us.com/ coach outlet
    http://www.airmax-2018.us.com/ air max 90
    http://www.pandora--rings.us.com/ Pandora Jewelry
    http://www.jordan--11.us.com/ air jordan
    http://www.vapormaxs.us.com/ nike vapor max
    http://www.nikeairvapormaxflyknit.us.com/ nike vapormax
    http://www.nikeairmax-95.us.com/ air max 95
    http://www.kd10-shoes.us.com/ kevin durant shoes
    http://www.jimmychooheels.us.com/ jimmy choo
    http://www.pandoraearrings.us.com/ pandora charms
    http://www.salvatore-ferragamo.us.com/ ferragamo
    http://www.pandora-jewelrysale.us.com/ pandora charms
    http://www.airmax270.co.uk/ nike air max 270
    http://www.burberry-bags.us.com/ burberry wallet
    http://www.uggs-forwomen.us.com/ ugg boots
    http://www.pandorasjewelry.co.uk/ pandora jewelry
    http://www.louboutinredbottoms.us.com/ red bottoms
    http://www.ugg--slippers.us.com/ uggs for men
    http://www.jordanretro11-shoes.us.com/ jordan retro 11
    http://www.under-armour-shoes.us.com/ under armour
    http://www.pandoras-uk.co.uk/ pandora
    http://www.uggsformen.us.com/ ugg boots
    http://www.kyrie-irving-shoes.us.com/ kyrie irving
    http://www.salomonspeedcross3.us.com/ salomon xa pro 3d
    http://www.adidasoriginalsnmd.us.com/ adidas nmd r1
    http://www.chromehearts-jewelry.us.com/ chrome hearts
    http://www.nike-huaraches.us.com/ nike air huarache
    http://www.burberry--scarf.us.com/ burberry
    http://www.nike-airmax270.us.com/ nike air max 90
    http://www.fitflopsshoes.us.com/ fitflop
    http://www.adidasnmdrunnerr1.us.com/ didas ultra boost
    http://www.nike--shoes.co.uk/ nike shoes
    http://www.barbourjackets.co.uk/ barbour coats
    http://www.air-max-95.us.com/ air max 95
    http://www.truereligion--jeans.us.com/ true religion jeans
    http://www.katespadepurses.us.com/ kate spade bags
    http://www.cartier-bracelet.us.com/ cartier bracelet
    http://www.moncler--jacket.us.com/ moncler coat
    http://www.monclerjacket.org.uk/ moncler jacket mens
    http://www.michael-kors-bags.us.com/ michael kors purse
    http://www.prada--bags.us.com/ prada purse
    http://www.supremeshirt.us.com/ supreme shoes
    http://www.northfacejacketoutlets.us.com/ womens north face jacket
    http://www.ralphlauren--polo.us.com/ ralph lauren dresses
    http://www.airmax95.co.uk/ nike air max 95 mens
    http://www.adidasnmds.co.uk/ adidas originals nmd
    http://www.salomon--shoes.us.com/ Salomon Speedcross 3
    http://www.northface-jacket.us.com/ north face jacket
    http://www.jordan11.co.uk/ jordan retro 11
    http://www.redbottom--shoes.us.com/ christian louboutin
    http://www.stephen-curry-shoes.us.com/ stephen curry
    http://www.asics--shoes.us.com/ asics mens running shoes
    http://www.michaelkors-handbagss.us.com/ mk handbags
    http://www.nikelebron15.us.com/ lebron 15
    http://www.adidasyeezy-350.us.com/ adidas yeezy
    http://www.salomon-boots.us.com/ salomon
    http://www.swarovskisjewelry.us.com/ swarovski jewelry
    http://www.salomonshoes.co.uk/ salomon skis
    http://www.katespade--outlet.us.com/ kate spade
    http://www.pandorajewelryscharms.us.com/ pandora Charms
    http://www.adidas-superstarshoes.us.com/ adidas
    http://www.ray--bansunglassess.us.com/ ray ban eyeglasses
    http://www.new--balance.us.com/ new balance
    http://www.air-max-97.us.com/ nike air max 97
    http://www.adidas--shoes.co.uk/ adidas
    http://www.asicss.us.com/ asics outlet
    http://www.kevin-durant-shoes.us.com/ kd 10
    http://www.balenciaga--shoes.us.com/ balenciaga shoes
    http://www.pandora-jewelrybracelet.us.com/ pandora rings
    http://www.nikeairmax-97.us.com/ air max 97 gold
    http://www.ralphlaurenspoloshirts.us.com/ polo
    http://www.pandora--jewelrys.us.com/ pandora rings
    http://www.nikeairmax270.org.uk/ nike air max 270
    http://www.oakley--sunglassess.us.com/ cheap oakley sunglasses
    http://www.katespadebags.us.com/ kate spade bags
    http://www.balenciagas-sneakers.us.com/ balenciaga bags
    http://www.lebron15-shoes.us.com/ lebron 15
    http://www.adidas-ultraboost.us.com/ adidas ultra uncaged
    http://www.celines.us.com/ celine wallet
    http://www.bvlgaris.us.com/ bulgari jewelry
    http://www.longchampbackpack.us.com/ longchamp handbag
    http://www.nike-airmax-2018.us.com/ air max
    http://www.mbts.us.com/ mbt shoes
    http://www.christianlouboutinredbottoms.us.com/ christian louboutin
    http://www.adidas-yeezy-shoes.us.com/ Adidas Yeezy
    http://www.polo-ralphlauren-outlet.us.com/ polo
    http://www.swarovskis.us.com/ swarovski jewelry
    http://www.jordan11spacejams.us.com/ jordan retro 12
    http://www.mcm--bags.us.com/ mcm handbags
    http://www.skechers--shoes.us.com/ skechers
    http://www.goyardbag.us.com/ goyard tote
    http://www.hermes--belt.us.com/ hermes
    http://www.jordans11shoes.us.com/ jordan shoes
    http://www.monclerjacketmens.us.com/ moncler jacket mens
    http://www.air-max-90.us.com/ air max
    http://www.hermesbirkin-handbags.us.com/ Hermes Handbags
    http://www.monclerjacketwomens.us.com/ moncler jacket
    http://www.airjordan11spacejam.us.com/ jordan retro 11
    http://www.yeezyboost350v2.co.uk/ yeezy
    http://www.burberrys.org.uk/ burberry purses
    http://www.adidasnmd-womens.us.com/ adidas originals nmd
    http://www.skecherss.us.com/ skechers uk
    http://www.adidasyeezys.org.uk/ yeezy shoes
    http://www.kyrie-4.us.com/ kyrie irving shoes
    http://www.curry4-shoes.us.com/ curry 4 shoes
    http://www.birkenstock--sandals.us.com/ birkenstock outlet
    http://www.lacosteshirts.us.com/ lacoste outlet
    http://www.ferragamoshoess.us.com/ salvatore
    http://www.valentino--shoes.us.com/ valentino sneakers
    http://www.fitflops-sale.us.com/ fitflop sale
    http://www.airmax90shoes.us.com/ nike air max 90
    http://www.pumarihannafenty.us.com/ rihanna puma shoes
    Reply 8/1/2018 5:28 PM

Leave a Reply

 [Quick Submit with Ctrl+Enter]

Remember my details
Notify me of followup comments via e-mail