Can You File an Insurance Claim Without a Police Report in Georgia?


In an ideal world, you’ll call the police immediately after your car accident. The police will come to the scene and write up a report of what happened. You’ll use this report to support your insurance claim.

The problem is that you won’t always have a police report. Or, your police report won’t have all the information you need to file your insurance claim. If the other driver leaves the scene, you won’t have his license and insurance information. Or, if your car is hit while it’s parked outside your house, you may not have all the information usually included in a police report.

Most insurance companies are going to require a police report when you file your insurance claim. They can reference this report when validating exactly what happened. It also helps them identify all the parties involved. If liability can be pushed off on another driver, the insurance company wants to know this.

So, what do you do when you have no police report?  Can you still file an insurance claim? This is when it comes in handy to call an experienced car accident lawyer in Atlanta.

Your Atlanta Car Accident Lawyer Won’t Need a Police Report to File Your Insurance Claim

Although you do need to report most car accidents to the police, you don’t necessarily need a police report to file your insurance claim. Most insurance companies only require the police report if you’re claiming certain types of damages.

The problem is that you may need to demand special damages if you file an insurance claim. For example, let’s say that at the time of the accident, you’re towing your boat. You’re obeying every traffic law. You are in no way responsible for your accident.

A drunk driver comes along and smashes into your car. This causes you to crash your car. Your boat also gets shot across the highway, getting demolished in the process. You’re going to want to be compensated for the damage to your boat.

Without a police report, you won’t be able to prove liability. This is why it’s a good idea to always call the police in case of a car accident.

Georgia Law Does Require a Police Report in Most Cases

Whether or not you file a police report isn’t based just on whether you need one for insurance purposes. Under Georgia law, you’re required to file a police report in accident where the following occurs:

  • Any property damage greater than $500
  • Any death or bodily injury

So, you’re probably going to have to file a police report anyway. It’s always in your best interest to do so.

After an accident, people are shaken up. They really don’t know if they’re injured or not. They just know that they’re scared and more than a little frustrated. If the other driver suggests you just exchange insurance information, you may be tempted to agree. Never do this.

Even if the vehicle damage is minor, you need to call the police. There are too many good reasons to do so, including:

  • The police report contains very valuable information you may need later on
  • The other driver could be drunk or under the influence of drugs
  • The other driver could be uninsured or not have a valid license
  • Witnesses are more willing to talk to police as opposed to virtual strangers
  • The other driver may make a damaging statement to the police
  • It serves as excellent proof in your insurance claim

No matter how hard the other driver tries to convince you not to call the police, don’t succumb. It’s too important that your accident be accurately reported. And, since you need to report it anyway, kill two birds with one stone.

Contact a Car Accident Lawyer in Atlanta, Georgia

If you have been involved in a car accident, you should contact a car accident lawyer in Atlanta, Georgia. Your insurance claim could be denied. You have no idea whether it’ll be approved or not. It could be denied for any of the following reasons:

  • The other driver did not have a valid license
  • The insurance policy wasn’t valid or had lapsed for non-payment
  • The driver wasn’t listed on the policy
  • The insurance company believes you were at fault
  • They don’t believe your injuries were legitimate

If this happens, you’re going to want an experienced attorney to appeal your insurance claim.

Call and schedule your free initial consultation with a car accident lawyer in Atlanta, Georgia. He can answer any questions you may have and let you know what your case may be worth.

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