When to File a Police Report (And How It Affects Your Claim)

When to File a Police Report (And How It Affects Your Claim)

The role of the police report in your insurance claim.  

One of the most important things you can do after an auto accident is to file a police report. When an accident happens, with the rush of emotions and adrenaline, you might not be able to think of everything. If police were called to the scene of your accident, you should know how a police report can impact your insurance claim.

Do you need to file a police report?

Initially, you might think that your car is not damaged or that you haven’t sustained any injuries. If you are injured, call 911 and ask for an ambulance. Having that report will really help, as the officer will take down all the important information, including who he believes to be at fault. At the scene, offers will take down facts about the accidents. This way, you can fall back on the police report if you forget something or run into a problem in the future.

If the accident is relatively minor and either you don’t have the time or the police can’t get to the scene, you can always go to the police department later on and file the report. This will ensure there is an official record of the accident, although it is best to file a report straight away so that details are still fresh in your mind.

How does a police report affect my claim?

Once the insurance company opens an investigation into your claim, the claims adjustor may ask you to provide a copy of the police report. Even if the police report clearly shows who was at fault in your accident, the claims adjustor still has to investigate the claim. The police report can help you to file your insurance claim, as is it used as proof that is actually occurred and how it happened. This may protect you in the event someone might lie about the accident.

Being in an auto accident is a frustrating experience that no one can predict. Even if it is a relatively minor wreck, call the police department and file a police report as soon as possible.

Work with an insurance agency that keeps your best interest in mind. Quality auto insurance is never that far away. Contact Gee Schussler Insurance Agency, serving Orland Park and surrounding cities in Illinois.