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car accident

If you have been in an accident, you might be wondering if your car insurance company can access police reports. Unfortunately, car insurance companies have a ton of different ways that they can access police reports. In fact, a car insurance company might ask you to give them the police report yourself after an accident. A police report is essentially evidence to an insurance company that an accident took place. The police report can give details as to who is at fault in an accident and therefore whose insurance premium should increase as a result.

When do I need to report an accident?


There are several different situations in which you are legally required to report an accident. Even if there is no damage, you are still required to report a car accident depending on the circumstances. Here are the situations in which you must legally report an accident:

  • If one of the drivers in the accident does not have car insurance
  • When someone involved in the accident is injured
  • If a government vehicle is involved in the accident
  • When property becomes damaged
  • If a criminal act occurred during or involving the accident
  • When a pedestrian is involved

How long do you have to report an accident to insurance?

After you been an accident, you’re likely to be stressed. However, when you make a claim it is important to make sure that the accident is fresh in your mind. This will allow you to be able to accurately tell your insurance company what happened in the accident. Unfortunately, you really don’t have long before you need to report the accident to your insurance company. If you fail to report your accident within 24 hours, you can be charged with leaving the scene of an accident. If this occurs, you can face jail time, license suspension, and fines.

What happens if you don’t report a car accident?

If someone else damages your vehicle and fails to report an accident, they can be charged with leaving the scene. Another person has the exact same 24 hours to report an accident to an accident reporting center. Many drivers assume that you don’t need to notify your insurance company if the damage is less than $2000. However, you are required to notify your insurance company of all accidents regardless of the amount of damage, even if you are paying for their repairs with your own money.

What are the risks of not reporting a car accident?

If you decide to skip reporting a car accident, you are susceptible to many different risks. If the other driver happens to report the accident to an insurance company, you risk your insurance being completely canceled because you didn’t file a claim. Also, if the other driver happens to file a police report, you can even be charged with leaving the scene of an accident. This can lead to jail time and a large fine. The other driver may decide not to pay for your repairs, even if they are at fault, which means that you’re on the hook for them. Finally, you could even be taken advantage of by the other driver in the case of insurance fraud. Keeping these things in mind, it probably is not worth the risk to not report a car accident to your insurance company.

Can I report an accident after 24 hours?

Yes, you can report an accident after 24 hours. Many insurance companies are not open on the weekend. This essentially allows you to be able to wait up to 48 hours before contacting your insurance company about an accident if your accident occurs on the weekend. Also, if you report an accident after 24 hours, during a regular workweek, you might be penalized. In fact, your insurance company might not accept your claim whatsoever. This is why it is extremely important to make sure that you report any car accident that you have within a 24-hour timeframe after it occurs.

How long do I have to file a police report?


Generally speaking, your insurance company is going to want to see a police report if one is needed, when you file a claim. This essentially means that you have 24 hours to file a police report after getting into an accident. Legally, you are required to submit a police report if the damage to both vehicles exceeds $2000. You are also required to file a police report if someone is injured in the accident or if you believe anyone involved committed a criminal offense.

How does my insurance company access a police report?

An insurance company has many different ways and it can access a police report. An insurance company simply has to ask you or the other driver involved to send them a police report. If you do not comply, you or the other driver might have their insurance claim denied. You may think that this is unfortunate, but a police report will not impact your insurance premium directly. An insurance company will determine on its own whether or not you are at fault for the accident and it will increase your insurance premium accordingly.

How does my insurance company assess who is at fault?

An insurance company employs several different tactics to see who is at fault for an accident. If any car has damage to the rear end, it is considered to be the driver that hit the rear end of the vehicle’s fault. An insurance company will often get in touch with witnesses and see who had the right of way. If an insurance company cannot determine who is at fault, they will likely determine that the accident was 50/50 fault for both participating parties. If this is the case, you can expect both of your insurance premiums to rise.

What information do I need from the accident scene?

accident scene

Before you leave the scene of an accident, make sure that you have all the information that you need. An insurance company is going to want the driver’s license numbers for both drivers involved in the accident. They are also going to want the drivers’ names and contact information. It is also important to make sure that you have insurance policy numbers, license plate numbers, and the names of the car insurance companies of both drivers. This will allow the insurance companies to be able to speak with one another to discuss who is going to pay for the repairs of the vehicle.

To Conclude:

Getting into an accident is something that no one likes to do. However, it is extremely important that you take the right steps after an accident to make sure that you have insurance coverage. Taking the wrong steps can land you with fines and even jail time and it just isn’t worth it. Always remember, if you have any questions about filing a claim or filing a police report, you can simply call your insurance company and asked him anything that you need.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.