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Amy Tounget Insurance Agency, LLC Blog

Do I Need a Police Report to File an Auto Insurance Claim?

Car accidents, even minor fender benders, can raise our blood pressure, spike our adrenaline, and make us act more impulsively than we might otherwise. If you’re involved in a vehicular accident, no matter how small or how large, it is vital to stay calm and remember to always file a police report.

That’s right, always. Let’s take a look at why you need to request a police report following a Midlothian, TX car accident:

The Importance of Filing a Police Report For an Auto Insurance Claim

Establish Documentation & Evidence

A police report serves as an official, third-party document that outlines the incident in full. This report includes essential information, like the date, time, location, and parties involved. In larger incidents, it may also include witness statements that can serve as valuable evidence for your auto insurance claim. With these statements and an officer’s summarization, you can support and even prove your version of events. This ensures proper fault is assigned.

All Party Cooperation

Speaking of other parties and witnesses, getting their cooperation is not always easy. This is especially true when a car accident is the other party’s fault. That other party and witnesses within their vehicle may try to stall or downplay the accident. Having an officer come will ensure that they cooperate and you don’t have to deal face-on with disagreements. 

Get Quality Insurance Options With Amy Tounget Insurance Agency LLC

Let the officers handle disagreements on the scene and let your insurance company handle disagreements behind the scenes. Of course, you want a quality provider representing you if an auto accident case ever goes to trial. Contact our team at Amy Tounget Insurance Agency LLC to learn about your options and get the best policy for your Midlothian, TX household. 

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