How To Claim Insurance Without Police Report?

After an automobile accident, you can make an insurance claim without a police report. Although having a police record helps make the claims process go more smoothly, it is not essential to file or authorize a claim. However, whether or not you are legally compelled to file a police complaint is determined by the laws of your state.

If anybody is wounded, you are required by law to submit a police complaint in most states. If property damage reaches a specific value, you may be required to make a police report, however the actual amount varies widely by state.

How do I claim car insurance without police report?

No insurance company will consider your claim without a FIR, and no FIR will be issued if you do not notify a cop. As a result, you must receive your FIR copy as soon as possible. Lack of critical information After an accident, most individuals are preoccupied with gathering information such as the driver’s name, license number, and so on.

Is police report necessary for insurance claim?

After an accident, claiming automobile insurance requires a thorough understanding of the procedure for filing a claim with your insurance carrier. A step-by-step approach to filing an automobile insurance claim is provided below:

Inform Your Insurance Company:

Make a call to your insurance carrier to report the collision and provide specific details about the damage to your vehicle. Make sure you don’t withhold any information from your insurer, as this could make resolving claims more difficult.

File an FIR with the Police:

Notify the police right away about the accident and, if necessary, file a First Information Report (FIR). In the event of theft, traffic accidents, or fire, a police report is required. If the dents and scrapes are minimal, you may not need a FIR. You’ll also need it if there’s a third party involved in the collision.

Take Pictures:

Make sure you take plenty of photos of the damage and the accident site. Ensure that the images are clear and that the damages are evident so that the insurance company can assess the degree of the physical damage and settle the claim appropriately.

Submit Required Documents to the Insurer:

The insurance company will need certain papers to process the claim, such as a copy of the insurance policy, a copy of the FIR, the owner-license, driver’s driver’s a copy of your car’s registration certificate, and so on. For a stress-free journey, make sure you submit these paperwork and engage with your insurer.

Get Your Car Repaired:

You can have your vehicle fixed at a garage. You might also request that the car be repaired through your insurance provider. If your claim is approved by the insurer, you will be refunded or compensated for your loss.

In The Case of Theft:

If your car is taken, notify your insurance company and submit a police report at the nearest police station. Send the insurance company documentation like the RC, your driver’s license, your FIR, and so on. If the police are unable to locate the vehicle in a reasonable amount of time, a non-traceable certificate will be issued. Following that, the insurance will resolve the claim and pay you the current market value of your vehicle.

Can insurance check police reports?

Accidents with automobiles are traumatic and stressful. Aside from that, the insurance process, documentation, and following police reports can be stressful.

Police reports are available to all vehicle insurance companies. The police report is used to determine whether or not you were in an accident, to examine when you submitted a claim, and to alter your rate.

What are the Contents of a Police Report?

The police report is a summary of a collision with a motor vehicle that includes accident facts as well as the investigator’s viewpoint. Some or all of the following information is frequently included in police reports:

How do the Car Insurance Agencies Use the Police Report?

When a claim is filed following an accident, the vehicle insurance companies will investigate. The police report will be one of the first things they will request. The report offers thorough information on the car accident and is a useful resource because of the following:

To Investigate further

To resolve insurance claims, insurance firms look at police reports. They will be able to make more informed decisions based on the reports.

To determine the fault

The police reports are used by most vehicle insurance companies to discover mistakes and establish the level of liability of both parties involved. If you are 70% responsible and another driver is 30% liable, your employer will cover 70% of the bill and the remaining 30% will be covered by the other driver’s auto insurance. Car insurance coverage in some situations reimburse the full amount to the driver who is responsible for the majority of the debt.

The information presented in a police report can be factual or subjective. Car insurance companies are responsible for determining the extent of the damage. They frequently come to a conclusion about who is to blame after doing their inquiry.

Do all insurance claims get investigated?

Because fraudulent claims boost insurance premiums for everyone, it’s in a company’s best interest to ensure that every claim is legitimate and accurate. Car accidents, personal injuries, job injuries, and property damage are all regular insurance claims that need to be investigated.

Read on to find out what an insurance claims investigation comprises, as well as examples of frequent claims and four crucial processes to follow while conducting one.

How do you explain a car accident to insurance?

A automobile collision is best described by relaying only the most basic elements of the situation as calmly and objectively as possible. The best method to discuss an automobile accident, regardless of who you’re talking to, is to give simply the most basic aspects of what happened, as calmly and objectively as possible.

How do I claim insurance if someone hit my car?

  • Call your insurance carrier as soon as possible after the accident to report the damage.
  • Make a claim with your insurance company and request that a surveyor be assigned to assess the damage.
  • If your insurer allows it, you can also submit your claim online.

Documents required to make a claim:

The insurance company may request certain documents from you in order to validate and accept your claim. You must submit all required papers for the claim as well as complete the claim form. The following is a list of papers that you must present when filing an automobile insurance claim:

Formalities for making a car insurance claim

In the event of an automobile accident, the policyholder has two options for filing a claim: third-party and own damage. After an accident, follow these steps to file a claim:

  • Third-party claim: In cases where a third-party vehicle has caused damage or harm to you or your vehicle, you can file a third-party claim against the other vehicle owner. If you are unable to work as a result of the accident, you may be eligible to recover medical expenses as well as compensation for personal injury, property damage, and loss of earnings. If there is a death, compensation can also be requested.

In the case that your car collides with another vehicle and causes damage to a third-party vehicle, on the other hand, your insurance will cover the damages, loss, injuries, and deaths that you caused to the other party.

  • Obtain the insurance information for the vehicle that caused the damage to your car and notify that vehicle’s insurer of the occurrence.
  • Immediately notify your insurance carrier of the situation. Make sure you notify your insurer about the accident within the time limit.
  • Then, with your insurer’s help, file a third-party claim. If you’ve been injured, you’ll need to file a third-party claim against the vehicle’s owner. In the event that your vehicle causes injury, death, or property damage to a third party, you must file a claim with your insurance provider.
  • Call the police and register a First Information Report by contacting the police helpline number (FIR). In the FIR, make sure to include the following information:
  • After that, you must make a claim with the Motor Accident Claims Tribunal in the region where the accident occurred, or with the tribunal in the area where you (the claimant) and the third-party (the defendant) both live or conduct business.
  • Own damage claim: If your insured car is damaged or lost as a result of an accident, you can make an own damage claim. The medical bills and repair costs incurred as a result of the accident will be covered by your insurer. You will, however, need to verify the extent of the harm or loss caused by the accident. Only if you have a comprehensive insurance will you be entitled for this claim.

Points to remember:

  • Make a thorough examination of yourself and your vehicle to see if any significant injuries have occurred. You’ll have to determine whether or not to seek medical care based on the severity of the damage.
  • Make your claim within the time window set by your insurance carrier, which is usually 24 hours.
  • In the event of a delay, the claim may be rejected.
  • Take down the license plate number, model, and color of the other vehicle involved in the collision.
  • Speak with any witnesses who were present at the time of the accident and take down their names and contact information.
  • You might need to contact them again in the future to figure out who caused the mishap.
  • You can avoid filing a claim if you discover that the damage is limited to the car and is minor. Make a thorough assessment of the issue and make an immediate call.
  • Avoid getting into a dispute with the third party, since this will only add to the confusion.
  • If you’re not sure what you’re going to do next, don’t say anything to the cops or the insurance company.
  • Only move the car from the accident scene for repairs or other purposes if the police and insurance company agree.
  • You must submit all required papers for the claim and complete the claim form. An inspection of the vehicle may also be required.
  • If your automobile insurance policy includes a cashless claim option, drive your vehicle to a network garage for repairs and take use of the cashless service to avoid paying for insured damages out of pocket. The insurer will cover the cost of the workshop.

Should you always report an accident to your insurance company?

In most cases, drivers have 30 days to report an automobile collision to their insurance company. However, policies don’t necessarily specify a period and may simply indicate that a driver must report an accident “as soon as possible.”

You should nearly always notify your insurance company as soon as possible after an accident, since waiting too long could jeopardize a future claim or result in an at-fault driver losing certain safeguards. However, there are several instances where it may not be essential.

How long do I have to claim insurance?

Insurers must settle death claims within 30 days, according to the Insurance Regulatory and Development Authority (IRDA) of India’s time limits. This condition applies to all claims in which the insurer does not believe the cause of death should be investigated.

When the family files all relevant documents relating to the death claim, the 30-day count begins. This time restriction is extended to 90 days in the case of a claim investigation.

If the insurer is unable to resolve the claim within this time frame, they will be required to pay interest on the claim amount.

Can I claim off my own insurance?

  • Exchange names and other information with the other drivers, as well as the names and contact information for any independent witnesses. If someone refuses to provide you with their information, your insurance company may be able to track them down using their vehicle registration number.
  • Even if you don’t intend to file a claim, notify your insurance as soon as possible about the accident.
  • If someone is hurt, show the police your insurance certificate or cover note. If you are unable to do so on the spot, you must take the documents to the police station within seven days.
  • Take images that you can use as proof if you need to file a claim later.

If you have comprehensive insurance

If you have a comprehensive insurance, you should file a claim with your own insurer; but, if the insurer is unable to recover the money from the other driver’s insurer, you may forfeit your no claims bonus.

Any injuries or losses not covered by your own policy can still be claimed from the other driver’s insurer. These are known as uninsured losses, and they can include things like alternate transportation while your vehicle is being repaired, lost wages, personal injuries, and your policy’s excess.

Any losses should be kept to a minimal and evidence should be kept. If you need to hire a different car, it should be identical to your own.

To file a claim, obtain a form from your insurance company or write to the other driver’s insurance company, detailing the accident and the other driver’s policy number. Inform your insurer of any independent witnesses and, if possible, send them witness testimonies. If you purchased your coverage through a broker or agent, they may be able to assist you. Make sure you keep copies of any important documents and correspondence.

If you have third party insurance

You should file a claim against the other driver and let the insurance company decide who is at fault. If they say you’re accountable, you’ll be responsible for your own vehicle’s repairs.

To make a claim against the other motorist, let them know in writing that you intend to make a claim against them. Let the company know what happened if they were driving a work car. This is something you should inform your own insurer about. The other driver should notify their own insurance company about the accident. You can contact the Motor Insurance Database to see if the other driver has insurance.

If you’ve been in an accident and the other motorist or their insurer sends you a letter or claim form, forward it to your own insurer.

Do insurance companies check with police?

The majority of insurance firms have not signed an agreement with police forces allowing them to acquire this information directly from us (but usually only with the consent of their insured).

Basic criminal details, complaint and investigating officer details, crime assessment and how the crime is being investigated (where the information would not prejudice a police investigation), victim details (application only), and property items are all examples of information that can be released.

Please note that we will only release offender information if it can be demonstrated that it is required for judicial proceedings or if a court order has been obtained.

You should inform your insurance provider about the protocols that have already been agreed upon under the Memorandum of Understanding between the National Police Chiefs Council (NPCC) and the Association of British Insurers (ABI).