Can You File a Car Accident Claim Without a Police Report?

Published on Jan 9, 2024 at 9:56 pm in Car Accidents.

Can You File a Car Accident Claim Without a Police Report?

We’ve all been there – navigating the twists and turns of the road when, suddenly, a fender-bender or collision occurs. Once the dust settles and heartbeats return to normal, the first thing that might come to mind for many of us is, “Do I need to get a police report for this?” 

To obtain a vehicular accident police report, you can typically request it from the local law enforcement agency that responded to the scene or, in some cases, access it online through official government websites. 

Back to our question: “Can you file a car accident claim without a police report?”  

The quick answer is yes. In this post, we’ll demystify the importance of police reports in car accident claims, take a look at some vital steps, challenges, and things to consider if you don’t have a police report and explore some associated legal requirements and limitations. 

The Importance of a Police Report in a Car Accident Claim 

When it comes to filing a car accident claim, a police report can play a crucial role. It provides an official record of the accident, including details about the incident, involved parties, and witnesses, and can help establish fault in the accident and expedite the claims process. 

However, that doesn’t mean they’re required. While a police report is generally necessary, there are circumstances where you can file a claim without one. A police report is inadmissible in court, but it can still be used as testimony to support your case. Without one, it can be more challenging to establish liability and pursue a successful claim. 

In minor car accidents that may not require a police report, such as fender benders or accidents with minimal damage, you may be able to skip it and proceed with filing a claim. Similarly, accidents that occur on private property, where the police may not respond, may not require a police report. 

Steps To Take Without a Police Report 

If you find yourself needing to file a car accident claim without a police report, gathering alternative documentation is crucial. If you don’t have a police report for your car accident, there are still steps you can take to protect your interests: 

  • Take matters into your own hands by self-reporting the accident to the local authorities and providing them with all the necessary details and information about the incident. 
  • Gather as much information as possible from the other driver(s), including their contact details and insurance information. 
  • Take photos of the accident scene, capturing the positioning of the vehicles and any visible damage. Be sure to note any physical or environmental factors that may have contributed to the incident, as well as any pertinent traffic lights or signs. 
  • If there were any witnesses to the accident, gather their contact information and ask if they would be willing to provide a statement. 
  • Self-report the accident to the authorities immediately, and also keep all of your original documentation. 
  • Notify your insurance company as soon as possible to report the accident and start the claims process. Be sure to provide them with copies of all the information and documentation you have collected. 

Challenges and Considerations in Filing Without a Police Report 

It’s important to be aware of the challenges and considerations in filing without a police report, as some insurance companies may have specific requirements. Some companies may refuse to start a claim without a police report, as it is considered a crucial piece of evidence. Not having a police report can potentially impact the amount of compensation you receive, as well. 

However, if you have gathered substantial alternative documentation, such as photos, videos, and witness statements, it can help overcome this challenge. These pieces of evidence can provide a clear picture of the accident and establish liability. 

A lawyer who specializes in vehicle accident law can provide valuable guidance and assistance in navigating the claims process more smoothly and effectively. They can advocate for your rights, negotiate with insurance companies, and help ensure that you receive the compensation you deserve. 

Legal Requirements and Statute of Limitations 

Even if a police report is not required, it’s crucial to understand the specific time limits for taking legal action in your jurisdiction. Typically, the statute of limitations period for a vehicular accident begins on the date you or your property were harmed. In Maryland, that period is two years, and any case filed after those two years have passed may be considered invalid. 

Time-stamped photos, conversations with your insurance company, and eyewitness testimony can establish the date of the accident without a police report. 

Understanding and adhering to these local deadlines can ensure that your claim remains valid within the legal timeframe. You want to avoid missing the deadline and potentially losing your right to pursue legal action. 

Get Legal Assistance with Your Car Accident Claim 

If you find yourself facing difficulties with your case, it may be beneficial to hire a skilled Baltimore car accident attorney who can protect your rights and navigate the claims process on your behalf. By consulting with one of our attorneys at Belsky & Horowitz, LLC, who are familiar with the laws in your jurisdiction, rest assured that you’ll meet all the necessary legal requirements and take appropriate action within the required timeframe. 

Bottom line – while a police report can be beneficial, it’s not typically a legal requirement for filing a car accident claim. However, gathering the proper evidence and consulting your insurance provider and legal counsel are still essential steps to ensure a smooth claims process. Contact our office today for a free consultation about your case. 



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