When to Report an Auto Accident

Many drivers do not report an auto accident if they deem it to be minor. The reality is that all auto accidents, even those that do not seem serious, should be reported to law enforcement.

Insurance Claim

The vast majority of automobile insurance policies contain a provision requiring the filing of a police report even if the collision is deemed very minor.

Obvious Medical Issues

Payment for medical expenses under an automobile insurance policy require proof of who is at fault. A police report is vital toward this determination.

Latent Medical Issues

Some medical problems that arise from an auto accident do not manifest immediately. A police report is proper for documentation should latent injuries arise.

Legal Ramifications

A police report is useful in either defending against or pursuing legal action arising out of an auto accident.

Prompt Reporting

When at all possible, it is wise to report an auto accident immediately after the collision at the scene.

References

• Auto Accident Personal Injury Insurance Claim, Dan Baldyga, 2001
• Insurance Settlement Secrets, Matheson Mackinnon, 2009
• The State Bar of California, What Should I do if I Have a Car Accident?

Resources

• American Bar Association, Division for Public Education, Car Accident