Can you still go through insurance with no police report?

Answer 1

This is up to your insurance company. Why would you not have a police report anyway? The purpose of a police report is to get statements from all parties involved at the time of the accident before they have time to change their stories and make up facts. The police officer reports the statements and lists his/her observations and evidence at the scene to determine who is At Fault in the accident or incident. Sometimes an insurance company will not require a police report in cases such as an animal collision or glass claim where it wouldn't really make any difference to have a report because there is no real fault to determine. Most of the time a police report is required and necessary.