Do I need to file a police report in order to file a claim with my auto insurance company?

Picture this, you are rear ended by another driver and they are at fault. You get out of your vehicles, the at fault driver is very apologetic, gives you his or her information and you go on your way with the intent of following up with the person and/or their insurance company. It’s not an uncommon scenario, especially if the damage is minimal.

Although the accident may not be substantial, we still recommend contacting the police. At the very least, contacting the police allows for you and the other driver’s details of the accident to be documented by a third party, authority figure.

Although it is not necessary to have a documented police report in order to file an auto insurance claim, it is helpful to have a documented account of the accident, in the event that the at fault driver tries to change their story.