You are not by law required to file a police report to file an insurance claim. The insurance company will be more likely to deny your claim; and. If the other driver fled the accident scene, and you do not file a police report, the insurance company may question the validity of your story.

How do I claim car insurance without police report?

Without an FIR, no insurance company will entertain your claim and without informing a cop, no FIR will be issued. Therefore, you must obtain your FIR copy at the earliest. Absence of vital information Usually after an accident, most people are busy getting the details such as driver’s name, his license, etc.

How many days after accident can you claim?

Under the Civil Liabilities and Courts Act 2004 the time limit for claims for compensation is 2 years from the date of the accident. However, it is very important that you notify the person you hold responsible for your injury within 1 month of the accident.

What happens if there is no police report on a car accident?

If there’s no police report and you can’t find the other person, the car insurance company is likely to tell you that there is insignificant information to properly investigate the accident. In layman’s terms: no insurance money for you.

Can you file a claim if there is no police report?

And if you think that you can always file a claim later if the other person does ghost you, no dice. If there’s no police report and you can’t find the other person, the car insurance company is likely to tell you that there is insignificant information to properly investigate the accident.

Can a police report determine fault when the police?

The report that the police file may contain a statement about who is at fault for the accident based on their professional opinion. But, many police reports detailing car accidents do not include a determination of who is at fault.

How does the police report impact your insurance claim?

You’ll need some evidence that either contradicts the officer’s assessment or supplements and clarifies it. By coming up with additional, non-contradictory evidence, you may have a better chance of persuading the adjuster their insured was at fault. If the claim goes to trial, you wouldn’t necessarily have to contradict the police officer.