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Do insurance companies in auto accidents go by the police report?
Wiki User
∙ 12y ago
Sometimes they do and sometimes they don't.
Police officers who make out an accident report are rarely a witness to the actual accident and almost never investigate and auto accident unless foul play is suspected.
Typically an officer responding to the scene of an accident is simply noting observations and taking down the statements of others. There is no reason to assume that the officer knows all the facts, has interviewed all witnesses or even has the training to determine fault or legal liability. An insurance adjuster does have that training.
Although an insurer will certainly want to review any accident reports that have been filed to make sure they have as much information as possible, they do not make a determination based solely on a police officers accident report.
Wiki User
∙ 12y ago
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If you are involved in a minor collision and the police respond do they report the accident to the appropriate insurance companies?
No, the police never notify insurance companies of accidents or tickets. It is the responsibility of the insured party to notify their insurance company.
Is a police report required for an insurance claim?
It depends on how smoothly you want the insurance claim to go. Generally, insurance companies resist paying if there is no report to the police.
Will an insurance company pay if there was no police report?
Most insurance companies want a police crime report number before a settlement is reached.
Do police officers have to report on duty accidents to there personal insurance?
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Do you need to report an accident to the police if you have hit a telegraph pole?
Yes, you will need to report your accident to the police. You should report all accidents to the police, so that you can file a claim with your insurance.
How are accidents put on your drivers license?
When they are submitted to the state by a municipality or insurance company they are sent to you driver's history. If you have an accident that is not reported to police, and is handled out of pocket, it will not reach your insurance company or your driving record. Most insure companies require you to report all accidents.
Will insurance pay if you do not have a police report?
Police reports are not necessary, insurance companies can recreate the occurrence from the damage on the vehicle and determine who is at fault.
Do you have to report car accidents to police?
It really just depends on the type of accident and severity of damage or when injury has occurred. Most accidents do not require a police report.AnswerIt is usually required. If it is a small ding type, less than $100 damage, there is usually no need. But insurance companies require a police report. And if you want to insure that there is no problem with a later lawsuit, it is a good idea to get the accident documented.
Can the insurance company make you pay for accident without police report?
Yes, of course. If you are liable for the damages you are required by law to cover the losses. Having a police report or not having a police report has no bearing on your liability and resulting financial responsibilities. Although most minor accidents do not merit a police report, the insurance companies recommend an accident report be filed whenever possible to document the occurrence and protect the drivers and the company from individuals who may later try to shirk their financial responsibilities. If you have insurance then your insurance company will cover the loss for you up to your policy limits. If you are uninsured then you are required to pay the damages yourself.
How does car insurance work after an accident?
The way car insurance works after an accident is that a report must be made to the insurance company. They will review it and then decide what you new insurance cost will be. Answer: Accidents need to be reported to your insurance company as soon as possible whether you or someone else caused the accident. If police were called to the scene then you must obtain a copy of the police report as well to be sent to your insurance company. All of this if you plan to file the insurance claim through your or the other drivers insurance. Some have accidents but the repairs are so minor that they pay out of pocket rather than getting the insurance companies involved.
Must all road traffic accidents be reported to the police?
"Yes, for a number of reasons. If you are in an accident, someone witnesses it, and you leave the scene, it can be reported. If there is damage to your vehicle - or someone elses - most insurance companies require that the police are notified and a report is filed."
What if someone rear ends you and you have no license but you have insurance the person who hit you has insurance?
AnswerNo brainer. The person who hit you is at fault. Doesn't matter if you have a license or not. Not having a license doesn't give the other driver a free shot at rear ending you.AnswerIn most states, insurance companies require a police report of an accident. To have a police report, the police have to go to the accident scene in order to write one. Most rear end accidents are the fault of the person who hit the rear of a car. However, if you did not report the accident to the police because you have no license, you may be out of luck with the insurance company.
