Do I Need A Police Report To Recover My Deductible Through Subrogation?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Claims are often adjusted without a police report. If your company and the other party’s company agree that you were not at fault, the other company will repay your company for the entire loss including your deductible. That process is called subrogation. Your company should then return your deductible to you.
    Answered on June 11, 2015
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  2. 617 POINTS
    Waltere Koti
    Principal Agent, First Insurance Agency Inc, United States
    Most insurance companies will pay a claim without a police report. If police report might be useful where there is disagreement as regards to who is at fault then that might be helpful. In your case a police might be helpful since you have you have to go through Subrogation .
    Answered on June 11, 2015
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  3. 2777 POINTS
    Terry A. McCarthy, CLU, ChFC
    President, Insurance Associates Agency Inc., West Chester, OH
    Claims are paid every day without documents like an accident report. Insurance carriers don't require a court order to make settlement payments either when the details are clear. It just depends upon the circumstances. If the claims involves any form of claim of injury or complaints of pain, the carrier isn't likely to make a payment without knowing all the details including those on a police report. When the facts are clear a deductible reimbursement shouldn't be any issue absent anything to aggravate the claim. I am witness to companies paying after thoroughly investigating losses when personal injuries have occurred to so details matter. Now, when agreement can be made, when the agreement is reasonable and fair as to terms of settlement and amount, and when there is little dispute to the facts, a police report is not going to change the agreement in which the other party is going to be asked to relinquish any further right to claim for additional compensation. If that can't be obtained, or there is serious question about other involved parties, the cautious "wait-and-see" attitude prevails and then an effort is made to fully document the file prior to making any payments.
    Answered on July 6, 2015
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  4. 161 POINTS
    Ty Peck
    Agency Producer, Farmers Insurance, Ferndale, WA
    Great question! I always tell people to get a police report if they know for sure they are not at fault. It makes the claims process so much easier for all parties, and can get your deductible back much quicker. Let me know if you have any further questions! Thanks!
    Answered on December 7, 2015
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