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Getting into an accident is as stressful as it is unexpected. If no one appears to be seriously injured and there's not much damage to either vehicle, you may be tempted to leave without filing a police report. However, this could be a costly mistake. A police report is often the most important piece of evidence for an auto insurance company trying to file an accident claim. Even if you're in a rush to get to work or have an important appointment to get to, Lighthouse Agency of Fairfield, OH, strongly recommends calling the police and filing a report.

If you believe exchanging contact and insurance information after an accident is sufficient, the following points may lead you to reconsider:

  • Police Reports Will Cover Your Delayed Injuries: It’s crucial to receive a police report after an accident, especially if you believe you're not at fault. Even if you feel fine immediately after a collision, you might experience pain the next day. A police report that confirms you weren't at fault makes it easier for your auto insurance company to process your claim and gain compensation for your latent injuries.
  • auto insurancePolice Reports Are Only One Piece of the Puzzle: A police report doesn't always assign blame, and, even if the report says the other driver was at fault, your auto insurance company may still pay the other party. Auto insurance companies have adjusters who deal with claims, and these professionals may reach a different conclusion than the police. Either way, having both the police and the insurance agency involved will set your story straight and deliver the best possible outcome.
  • A Police Report May Save You Money: When you're searching for car insurance quotes, companies take your accident history into consideration. A police report could help confirm you weren't at fault and result in lower insurance quotes in the future. 

Waiting for the police to show up, sharing your side of the story, and waiting around while officers interview witnesses is a time-consuming process. However, neglecting to get a police report could result in a significantly larger hassle later on. For more helpful information about auto insurance, call Lighthouse Agency in Fairfield at (513) 860-9100 or visit their website for additional details. 

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