Can you file an Insurance Claim Without a Police Report? Yes. You can file an insurance claim without a police report. However, having one can speed up the process and help the validity of the account of the accident.
Filing a policy repost is beneficial to ensure you are protected if any loss occurs. If you want to know more about this, you should keep reading.
Can you file an Insurance Claim Without a Police Report?
A police report is one important document that gives an official and detailed description of what occurred in the tragic event. Policy reports are required when injuries, major damage, or extenuating circumstance are involved.
Notwithstanding, you can act as your own detail-oriented advocate for minor incidents. Hence, if it is a major loss, you should, give a proper detail of the loss with evidence.
Do I Have to File a Police Report After a Car Accident?
The law of some countries requires that you report a car accident under certain circumstances. If either of these exists in conjunction with a car accident, you must file a police report to your insurance company. Below they are listed
- A person dies as a result of an accident or
- A person suffers serious bodily injury as a result of the accident.
Hence, since an individual who is not medical personnel cannot by sight determine all damage or injuries, you should always file a police report after a car accident or after a major loss. Also, it is a crime to flee the scene of a car accident. Therefore, if the other driver flees, you should file a police report.
What does it mean to file a police report?
When you contact the police after a car accident, a law enforcement officer will come to the scene to investigate the situation and create an accident report. Hence, just as it is in that case, so it is when it comes to filing a police report.
The police officers’ report will state when the accident happened, where it happened, and the names and address of every driver and witness involved. This is to say, when you file a police report, your insurance provider will investigate if it was an intentional loss if it was out of carelessness if it was caused by someone else or if it is nature.
Will the Insurance Company Approval my Claim if I have a Police Report?
There is no guarantee of the outcome of an insurance claim. Companies each have their process for evaluating incidents and determining the validity of claims. The lack of a police report will put you at a disadvantage.
However, that alone does not mean that the insurance company should deny your claim. Your lawyer can assist you if your valid claim is denied.
What is Insurance Claim?
An insurance claim is a formal request to your insurance provider for reimbursement against losses covered under your insurance policy. Insurance is a financial agreement between you and your insurer.
When the holder of an insurance policy experiences a sudden and unexpected event that costs them money, it’s called a loss. Following a loss, the policyholder can ask their insurance company to pay them for what they have lost. This request is called a claim.
How to Process an Insurance Claim
Here are simple steps to consider when you want to process an insurance claim:
- Report your claim to your insurance company.
- When you must have done that your insurance provider will investigate the claim and the event.
- Insurance coverage is determined when the investigation turns in your favour.
- Repair and replacement will be made thereafter.
- Lastly, you will be paid your claim or rather indemnified by your insurance company.
These are simple processes. However, you should not forget to provide documents when reporting your claim to your insurance company.