CAN I FILE AN INSURANCE CLAIM WITHOUT A POLICE REPORT?
Most of the time, when you’re in a car accident in Denver, the police come to the scene. They investigate the accident and prepare a police report. But sometimes, the police don’t come to the scene of a minor accident. Can you still file an insurance claim if the police don’t make a report? Will you need the help of a team of Colorado car accident attorneys? Here’s what you need to know.
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Can I File an Insurance Claim Without a Police Report?
Yes, you can file an insurance claim without a police report. The policyholder still has the same rights to recovery under the insurance policy that they would have if there had been a police report. But without a police report, it’s up to you to provide the evidence about what happened. You may need to provide extra information or take additional steps to justify your claim for compensation. You may also need to take additional steps if you are in a car accident in a leased car, an Uber or Lyft crash, or in an accident in a company car.
Is a Police Report Necessary to File an Insurance Claim in Colorado?
No, a police report is not necessary to file an insurance claim in Colorado. You may simply contact your insurance company and tell them that there’s been an accident. Without a police report, the insurance company might question the circumstances of the accident or ask further questions about who is at fault for the accident. However, you should still be able to recover from your insurance policy with the same terms that you would get a payment if the police had made a report in your case as long as you file within Colorado’s statute of limitations.
What Happens to a Car Accident With No Police Report?
A car accident with no police report may still be grounds for insurance compensation or a lawsuit. You may still bring a claim for compensation under the same laws that apply in cases with a police report. You may also look to your insurance or the other party’s insurance for compensation. Without a police report, it’s unlikely that either party will get a traffic ticket or face criminal charges because of the accident. However, you can make your case directly to the insurance company to seek compensation if your insurance policy covers it.
Does Filing Police Report Affect Insurance?
Filing a police report may affect insurance in that it documents the time and place that the accident occurred. If the police prepare the report, there’s a neutral third party that offers an opinion about who is to blame for the accident. The police officer is trained in accident investigations, and the insurance company will probably see their opinion as highly credible. Without the police report, you have to present all of the evidence that justifies your demand for compensation. However, you still have the right to full compensation from your insurance company.
Can You Sue Someone for a Car Accident Without a Police Report?
Yes, you can sue someone for a car accident without a police report. If there’s no police report, you don’t have the benefit of the testimony of a law enforcement officer who responded to the scene and looked at the situation. That makes it more complicated to prove fault for the accident. But the laws and the rules of evidence are the same. You can sue someone for a car accident without a police report under the same circumstances that you can sue someone if there’s a police report in the case.
Colorado Car Accident With No Police Report
To make an insurance claim without a police report in Denver, you need to know the other driver’s information. You need to know who to file your claim against. When an accident occurs, it’s important to make sure that you get the other driver’s name, license number, insurance information, plate number, and vehicle registration. If the other party leaves the scene of the accident or won’t provide this information, call the police right away.
When there’s no police report, there are a lot more things that are up to you when it comes to seeking justice after a car accident. The insurance company, or the jury, will want to know why there isn’t a report. Did one or both parties want to avoid the police for any reason? Are you being dishonest about the accident and the cause of damages to your vehicle? Or did the police simply choose not to respond? These questions may present even if it’s a minor car accident like a rear-end collision.
While it shouldn’t be a big issue, it’s still up to you to overcome these questions as you pursue compensation in your case.
How to Prove a Colorado Car Accident Case Without a Police Report?
If you don’t have a police report, you prove your case by conducting your own investigation. You prove your case in the way that you would otherwise prove your case only without the observations of the police officer. It’s important to carefully build the evidence by talking to witnesses, taking and evaluating photos, gathering verification of repair costs, medical bills for any car accident injuries and other damages, and even working with expert witnesses. You present the evidence that the jury or the insurance company needs to make the correct decision about your case.
What Do I Do If the Police Don’t Come to the Scene of the Accident in Colorado?
If the police don’t come to the scene of the accident in Colorado, you should exchange information with the other driver at the scene. You must provide your name, driver’s license details, insurance information, and telephone number to the other driver and any injured party. Then, you should file your own accident report with the State of Colorado.
Work With Our Team of Skilled Denver Car Accident Lawyers
Are you wondering what to do about an insurance claim with no police report? Do you want to get fair payment for your car accident case even though there’s no police report? The skilled Colorado legal team at Bachus & Schanker LLC can help. We can fight for you.
Any car accident case is complex. It’s even more complicated when there’s no police report to guide you in making a claim. Don’t leave anything to chance. Contact our Colorado attorneys today for a free consultation about your claim. We’ll help you understand what you need to do to win your case. If you decide to hire us, we’ll fight aggressively and thoroughly until you get justice. We are conveniently located at 5 Colorado locations near you in Denver, Fort Collins, Colorado Springs, Aurora, and Englewood. Our attorneys are ready to serve you and fight for the compensation you deserve. Call us today to begin.
Written and Legally Reviewed By: Kyle Bachus
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Kyle is a member of the Colorado and Florida Bar associations and has served on the Board of Directors of the Colorado Trial Lawyers Association for more than twenty years in total. Over the years, Kyle has achieved justice for many clients. He has served on numerous committees and repeatedly won recognition from his peers at both the state and national level. He is proud of the role he has played in the passage of state and national legislation to protect consumers and is a frequent speaker and guest lecturer.