1. Mark Bartlett CLCSPRO
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Yes you can file a auto claim without a police report. In fact if claim involves a collision and there is no bodily injury involved police will seldom if ever come to the scent to do a report. However if the claim involves a theft you do want to file a report to validate the claim.
    Answered on May 8, 2013
  2. Edward HarrisPRO
    Owner, Best Online Insurance Rates, US
    You can file a car insurance claim without a police report. However, if the accident was not your fault, you definitely would want to file a report. Calling the police will often protect yourself in case the story of the other party changes.

    It is also possible the insurer will request that you file a report.
    Answered on March 17, 2014
  3. Tom SheehanPRO
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    There are certain loss claim reoports that can be opened without a police report.  In an accident situation, it is, however, always best to have a report filed with the police.  But if for example, you hit a deer, or your car catches fire or a tree falls on it, police reports are not generally necessary.  If however, it is stolen or vandalized, in most cases, your insurance company will need to see a police report in order to settle your claim.
    Answered on March 17, 2014
  4. David G. Pipes, CLU®, RICP®PRO
    owner/agent, Rooney Pipes Insurance Agency for the Horace Mann Insurance Companies, Fresno, California
    Police may not respond to an accident.  They avoid accidents in parking lots (the scene of many accidents.)  With the proliferation of smart phones, a detail evaluation of a claim can be made by submitting photos of the damage to your car, and any other cars, people or objects.  Auto theft is a crime and must be reported to the police.
    Answered on June 24, 2014
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