Can I still file a claim without a police report?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Sep 18, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Lithonia, GA
Asked on 09/18/2012
Can I still file a claim without a police report? A woman rear-ended me and did significant damage to my truck, She gsave me her information, but we didn't make a police report. Furthermore, since the accident my step-mother has cancelled my insurance on the truck. Would that affect any claims that can be made?
Answer given on September 19, 2012
If you are involved in an auto accident you are not required to file a police report,unless there are some laws in your area regarding such filings. Since you were rearended, the other party’s insurance should pay for the repairs to your truck. Hopefully the other driver has reported the claim to their insurance company. Call that insurance company and make sure it has been reported and that they are working on seeing your car and making estimates for the repairs. If the other insurance company is not being cooperative you should file a claim with your insurance company and go through them and let them then go after the other insurance company. If they collect all payments for the repairs, your deductible will be reimbursed to you.If the insurance on the truck was cancelled after the accident there will be no effect regarding this loss. However, you should find replacement insurance as soon as possible so you will have insurance coverage going forward.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.