No, you do not need a police report to file an insurance claim. However, depending on what type of claim you’re filing, a police report may be an essential piece of evidence that greatly helps your case. If you are able, it is smart to include a police report with your claim.
There are ways to improve your chances of a successful insurance claim, even if you don’t have a police report. You may need to do some additional work, and it may take longer for approval. Consider getting legal assistance so you avoid mistakes that could harm your claim.
A lawyer is especially helpful if your claim is denied. Our Boca Raton personal injury lawyers have recovered over $26 million in settlements and awards for injured victims. Call today to schedule a free consultation and tell us your story.
Why Is a Police Report Helpful?
A police report is an important piece of evidence in many insurance claims. It provides an objective, third-party overview of the incident from a law enforcement officer. This can lend credibility to your claim and reduce or eliminate any concerns of fraud.
The information included in a police report can establish important details of the accident, such as when and where it happened, who was involved, and the damages and injuries suffered by you and others. In some cases, a police report can help prove who is liable.
In cases where your claim is denied or escalates to a lawsuit, your attorney can rely on the police report as an important piece of evidence to support your case.
What Types of Claims Benefit From a Police Report?
While not all claims need the help of a police report to show their validity, others benefit tremendously. This is often true in cases of accidents, violent acts, or illegal activity. Some examples include:
- Motor Vehicle Accidents: A police report can be a key piece of evidence in car accident claims, helping to create a narrative of the accident and establish fault.
- Homeowner and Renter Claims: For incidents such as theft, burglary, and vandalism, a police report can outline the extent of the damage or loss.
- Accidental Death and Dismemberment Insurance: Insurance companies may request a police report in cases of death due to car accidents or violent acts.
- Business or Commercial Insurance Claims: A police report is helpful in instances of theft, vandalism, and employee misconduct.
While you can file an insurance claim for any of the above incidents without a police report, you may have a much more difficult time proving your case. In the absence of a police report, you may need to take extra steps.
How Can You File a Claim Without a Police Report?
If you aren’t able to include a police report with your insurance claim, there are a few things you can do to strengthen your case. While not as impactful as a police report showing the details of your incident, collectively, this evidence can illustrate your claim.
- Photos: Take pictures of the accident scene, damage to your vehicle and others, and anything else an insurance company may find important.
- Witness Statements: If possible, collect statements from anyone who saw the accident, along with their contact information.
- Document the Accident: Write a narrative of what happened from your perspective, including the date, time, location, and any relevant conditions.
- Additional Documentation: While you may not have a police report, other evidence, like medical records or auto repair estimates, can provide a snapshot of your incident.
- Cooperate With the Insurance Company: Comply with your insurance company’s requests in a timely manner to increase your chances of a successful claim.
When Is a Police Report Legally Required?
Whether or not you need a police report to file an insurance claim, for some incidents, it is legally necessary to file a police report within a specific time, typically within 24 hours.
For example, Florida law outlines specific requirements for traffic crash reports. You must file a police report for a car accident if:
- Injuries occurred
- A fatality occurs
- More than $500 in property damage occurs
- A commercial vehicle is involved
- A vehicle requires towing
- You suspect the other driver is under the influence of alcohol or drugs
- A hit and run occurs
Other circumstances where you are legally mandated to file a police report may include crimes such as burglary, violent acts like assault, or any suspicious death. Specifics will depend on the laws in your area.
Do You Need a Police Report for a Minor Car Accident Claim?
In most minor car accident cases, you do not need a police report for an insurance claim. However, it is important to consider the definition of a minor car accident where you live.
In some situations, you may be eligible to self-report your accident to create a record that may help with an insurance claim. If you are unsure of the requirements in your area, it is important to speak with an attorney.
Get Help With Your Insurance Claim
While you do not need a police report to file an insurance claim, it’s a good piece of evidence to include if you are able. For claims such as car accidents, it can support your story by presenting a trustworthy narrative of events as well as specific details of the incident.
If you aren’t able to include a police report, you may need to go the extra mile by providing as much additional evidence and documentation as you can. Include photos, further records, witness statements, and your detailed accounting of the event.
If your claim is denied, it’s a good idea to speak with an attorney. Our team at GED Lawyers has been helping injured accident victims get the compensation they need for over 30 years. Contact us today to schedule a free consultation and discuss your case.
