Insurance companies not only check with the motor vehicle department for your driving record, they also have an insurance company system called C.L.U.E. which includes any and all claims paid as well as past drivers, insurance policies, and people who have lived at your address. On the insurance application you are asked for all this information. if you don't tell the truth the insurance company and usually the agent will know it immediately. It pays to tell the truth. I know this as an independent insurance agent.
Police reports are not necessary, insurance companies can recreate the occurrence from the damage on the vehicle and determine who is at fault.
They use them as another version of the event. If they investigate the claim properly they will talk to the driver of each vehicle and any witnesses. Then they will look at what the police officer put in their report and take into consideration any violations that were issued by the police. Lastly the insurance company decides whether to accept liability or not for the damage.
Don't understand the part of the question about the "police repo," however, contact the at-fault party's insurance company ASAP - and if you have insurance coverage, contact YOUR insurance company as well. Both companies will want to begin investigations, take pictures of the vehicles, get copies of police reports and medical reports (if any injury), etc, etc.
Insurance companies determine fault by looking at police reports, taking statements from the parties involved and witnesses, and looking at the vehicles.
Most insurance companies will instruct you to call them first when you have an accident, unless there are injuries. You should call the police to get an accident report.
Insurance would have nothing to do with transferring the title in most states. However, in order to register the vehicle and get a tag for it you normally have to prove that it is insured. Here in Georgia, the Dept. of Motor Vehicles has a system which requires the insurance companies to report policies on each vehicle and also reports when the policy cancels. A Police Officer can use the laptop in their cruiser to tell if you have insurance at the time you are stopped or go through a road block.
No, the police never notify insurance companies of accidents or tickets. It is the responsibility of the insured party to notify their insurance company.
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.
Most insurance companies want a police crime report number before a settlement is reached.
Believe it or not, police do not determine who is at fault the insurance companies involved do. They use information given to them from the police department, such as violations or speed information, but the police can not determine fault or liability. Order of listing vehicles on the report has no determination of anything
Most insurance claims do not require police reports. Some states require it for hit and run claims.
The theft should be reported as soon as the theft is discovered. Otherwise late reports may be questioned by insurance companies or by the police in any future actions or claims relating to the theft.