Can I still file a claim without a police report?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 18, 2012

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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.

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