Why You Should File a Police Report After a Car Accident

Here’s why it’s important to file a police report anytime you are involved in an auto accident.

After getting into an accident, you might be tempted to simply exchange information with the other driver and call it a day.  However, failing to call the police to the scene of the accident could be a costly and even potentially dangerous mistake.  Here are some of the reasons why you should file a police report anytime you are involved in an auto accident.

Personal Protection

One reason why you should call the police and file a police report after an accident is that it adds an extra layer of protection for you and ensures that the other driver stays accountable.  After getting into a crash, there’s no telling how the other driver might react.  They could attempt to flee the scene, act aggressively towards you, or attempt to feed you false information.  By calling the police to the scene, you can ensure that the other driver stays in check and that the whole situation remains under control.  Additionally, because the police will interview all involved drivers, speak to witnesses, and investigate the scene of the accident, you can ensure that the circumstances of the accident are accurately documented.  This will help you avoid the possibility of the other driver changing their story in a way that places the blame on you.

Insurance Assistance                                                                                                                                                                                

It’s also important to file a police report because it will help to expedite your insurance claims process.  When your insurance company can reference the information included in the official police report, they can use it to verify your story, understand the extent of your car’s damage, and determine fault.  This, in turn, will make the claims process easier and also increase the chances of actually receiving the compensation you need to address your medical and repair costs.  If you forgo the police report then you risk a lower insurance payout or, worse, not receiving coverage at all.

This is why you should file a police report anytime you are involved in an auto accident.  Do you have further questions regarding insurance claims or your auto insurance in general?  Then don’t hesitate to contact the experts at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.