Top Mistakes Personal Injury Clients Make Series Part Two: Not Calling The Police

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It’s Monday morning and you’ve just been rear-ended on your way into work. It’s 8:40 a.m., your car is banged up, you feel bruised and beat up, but you have a meeting you have to be at in 20 minutes. The at-fault driver says that you two should just swap insurance information and go on your way. The last thing that you want to do is call the police and have to wait for them to arrive, then fill out information and statements. The idea to skip calling the police and just exchange contact information with the other driver may be tempting, but it could end up being detrimental to your auto insurance claim.

Having a police record is a vital aspect of a personal injury claim and an automobile damage claim. Why? Because it is a hard copy of who is at fault, the logistics of the collision, and the relevant information of the other driver. What if you exchange contact information with the at-fault driver, contact their insurance company, and find out a few days later that the at-fault driver has changed their story and is now saying that you are the one responsible for the accident? Without a police report, it is now your word verses theirs.

A police report will capture the true facts of the collision and protect your interests down the road. Don’t short change your automobile claim by trying to skip corners – always contact the police after an accident even if you feel as though the damage is not that bad.

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