How and Why to File a Police Report
Many people experience terrible emotions after an automobile accident. If you are in an accident, it is possible you are shaken up, injured, and worried about your physical and financial situation, damage to your car, passengers, and/or other property, the inconvenience the accident and filing a claim will cause you, and so forth. Even so, contacting the police to file a report is very important. And once you are speaking with the investigating officer, try your best to remain composed and clear-headed.
As a matter of routine, the police officer will ask a series of questions to help form a complete detailed account of the accident. It is likely the officer will talk with you as well as with the other driver(s) and passengers and witnesses as available. It is most helpful for you to relate as much information about the sequencing of the accident in a calm, honest, and unemotional way.
Once the police officer has determined that the report is complete, he or she will give it to the police department’s accident division. Remember to obtain the officer’s direct contact information in case you have questions or remember more details. Usually, you can get a copy of the report from the police department within a week.
Why File a Police Report After an Accident?
A police report is an official document written on-site by an unbiased third party-the investigating officer. Even if you and the other driver decide to settle financial damage without involving insurance companies, for whatever reason, there may be damage or injuries not apparent immediately after the accident. Plus, one can never be sure what the other driver or any passengers will say about the accident days or weeks afterward.
Many insurance companies view police reports as a vital part of the accident puzzle. Some even require a report. Regardless, having one simplifies the claims process, possibly resulting in a quicker resolution for you.