The police will not automatically send the accident report to your insurance company. Your provider will become aware of your accident only when and if you or any of the drivers involved in the accident report it to file a claim.

Do the police inform insurance companies?

Most insurance companies are no signatories to an agreement with Police Forces which allows them to obtain this information from us directly (but usually only with the consent of their insured).

Do I have to tell insurance about accident?

Should you tell your insurer about an accident? Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it crystal clear that this is for ‘information only’ and you don’t wish to make a claim.

How do the police know if your insured?

Police can easily tell if a vehicle is insured using Automatic Number Plate Recognition (ANPR) cameras that instantaneously read number plates and check them against the database of insured vehicles at the Motor Insurance Database (MID).

When to notify your insurance company of a car accident?

If you were injured in an auto crash, you may not see the reason to notify your insurance company of your accident, especially if you are making a claim with the negligent driver’s insurance company.

Can a car insurance company get a police report?

The insurance company can then pull the entire report to get the necessary information off of it. If you choose not to file a claim with the insurance company, they may still obtain the police report. One of the other parties involved in the accident might get the police report.

When to call the police after a car accident?

When you’re in an accident with another car, call 911. Always call the police when you’re in an accident involving another vehicle. Don’t let the other driver talk you into settling the accident without notifying the police or insurance companies.

Why do I not report a car accident?

The most common cause of failure to report car accidents to the car insurance company is a fear that it will cause a rise in rates. While this certainly is a possibility, in accidents that can be deemed the fault of the other driver your insurance rates probably will not go up significantly.