Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Yes, of course. Not all auto claims involve the police or require an accident report. If the car is involved in an accident of some sort on a public road or highway, or if it is stolen or vandalized, then yes, a police report would be a potential requirement. If however, your car is hit while legally parked, or if a tree falls on it, or you hit a curb or pothole or your garage door while backing out, these are some examples of claims situations where the police would not be involved.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
A police report is often very difficult to obtain. In many jurisdictions the policy will respond only to accidents involving bodily injury. These jurisdictions often have a report request on their website. However, with the widespread use of smart phones, you can snap pictures at every conceivable angle and establish the loss quite clearly.
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However, when there are damages and/or citations issued, you would always want to file a police report to protect yourself.
If you have an accident that is not your fault, without police involvement, the other party could mysteriously change their story.