Can you file an Insurance Claim Without a Police Report? When we talk about police reports and car insurance claims, we are usually referring to a car accident claim or a home-invasion claim. If an accident has occurred to you and you like to file a claim, or your home property has been damaged and you also want to file a claim, you need a police report to do so. However, the question that always arises is whether you can find an insurance claim without a police report.
Other types of insurance claims might not require that you find a police report. However, for a home invasion or a car accident, you need a police report. Needing something and doing something without it is a different thing. So in this article today, we are here to answer that question for you if it is possible to find your claim without a police report and also have a claim settlement paid.
Can you file an Insurance Claim Without a Police Report?
To put it simply and plainly, and to get right to the point, the answer is yes. This question has been asked by millions of insurance policyholders, and today the answer is yes. You can vary your insurance claim irrespective of the type of claim you are filing if you do not have a police report. Your insurance company does not specifically state that you need a police report to file a claim.
Therefore, when you file your claim, irrespective of whether there is a police report, you will get your settlement. So, if you have a claim to file but do not have a police report, you can simply begin filing your claim today. Forever, you are definitely going to need a police report if you want your claim settlement to be paid as soon as possible.
Do I need a police report to file a claim? Filing Insurance Claim Without Police Report
As we have seen above, the answer is no, it is not necessarily essential to have a police report before filing a claim. The only problem with filing a claim without a police report is the fact that it will slow down the process. It is going to slow down the claim process because the insurance company definitely needs a police report before proceeding.
Because it helps you prove the validity of the account of the accident that happened. That is why if there is no police report, your insurance company must get one to know that the accident that occurred is valid. After the accident is validated, the company will now start investigating the accident and come to a conclusion before paying your settlement.
What is considered a minor car accident?
When it comes to car accidents, we all know that there is what we call minor car accident and major car accident. The type of accident that occurred will definitely determine whether or not you should go to the police. For minor accidents, you might not go to the police to get a report before filing your claim. However, if we ask them, is this a major war? It would be best if you definitely did so.
What we think about minor accidents is totally different from what different states think about minor accidents. Any car accident that has a value of $250 can be considered a minor accident in some states. However, in other states, a minor car accident is an accident that is worth about $2500 to get the damage fixed. This is why I said what is considered a minor accident differs from state to state.
If the car accident is mine, do I need a police report to file an insurance claim?
The truth of the matter is that in most minor car incidents, there is no police report that is actually required to file an insurance claim. Having a police report or not will impact the process of settlement of a claim filed for a minor car accident. If nobody gets hurt in a car accident, it is definitely a minor car accident and does not need a police report.
How do I file a car insurance claim without a police report?
Now that we have established the facts about needing a police report or not in your insurance claim, let’s see how we can find an insurance claim without a police report. Since you are filing your insurance without a police report, you are going to need details about the accident. Examples of the details we will need in your insurance claim are listed below:
- The date and time of the accident location and individuals involved in the accident. Personal information and insurance information of the participants in the accident Details of the vehicle involved in the accident and types of damage environmental factors such as weather, time of day etc. Finally, information about eyewitnesses
Once you have this information ready, you can now go ahead and pick up the phone and call your insurance company. Provide these details for them and then file your claim without a police report.
Frequently Asked Questions
Do you need a police report to file an insurance claim in Georgia?
The answer is yes. Most insurance companies require a police report when assessing property damage and personal injury claims. Therefore, it is necessary to have a police report to file an insurance claim in Georgia.
Do you need a police report to file an insurance claim in Michigan?
Yes, you need a police report to file an insurance claim in Michigan. However, whether you are filing a claim or not, you simply have to report an accident once it occurs. especially if it involves death, injury, or damage.
Do you need a police report to file an insurance claim in Florida?
In Florida, all accidents that happen need to be reported to the authorities. However, you do not need a police report to file a claim in Florida. However, filing a police report will only help to support your claim of the accident.
Do you need a police report to file an insurance claim in Ohio?
In the state of Ohio, you do not need a police report to file a claim with your insurance company. You should not bother about getting a police report. All you need to do is simply contact your insurance company.