Posted on Car Accidents / Do Police Automatically Send My Traffic Investigation Report To Insurers?
Page Updated 12/06/2021
No. When the police conduct an investigation on an accident and complete the accident report, it does not send it to insurers or any insurance company automatically.
However, insurance companies or insurers will ask for accident reports from the police if any party files for a car accident lawsuit or looking to get claims.
Oftentimes insurance companies tend to delay the claims process to reduce the payouts which work well in their best interest, however, the victim or plaintiff can send a copy of the police report to the insurance company to expedite the claim process.
In situations where there are injuries, property damage (more than $1,000 in damages), and even death, you are liable to report it to the police department within 24 hours of the accident. If you call the police when the auto accident happens, the police will come to the scene and write a report which means you won’t need to submit a written report separately.
In the case where you don’t have any bodily injuries, you must call the police immediately to write a report. In cases of car accidents, you might face internal injuries that you may not realize at the time of the collision. These injuries can lead to symptoms and also in some situations complications that can affect your quality of life.
Spinal cord injuries, brain injuries, and head injuries from auto accidents not only affect vehicle owners but also their families due to piling medical expenses. Besides any injuries, your motor vehicle may also have severe damages which you may not be able to tell from just looking at it, and requires vehicle repairs that may cost more than your estimates.
We recommend that you protect your rights by calling the police immediately to write a report and then request a copy of that report to get your insurance coverage for any damages. Here you will find more information on auto accident reporting rules.
Many times, individuals do not approach police officers to write an accident report as they’re afraid it may taint their driving record causing high insurance premiums. This is true for any auto accident across the country, however, the duration the accident remains on a person’s driving record varies from state to state. In California, the accident will remain on your driving history for 3 years following the incident.
If your record has a car accident or several auto accidents, this can affect your car insurance rates, however, there are other factors that insurance companies take into consideration to determine the insurance premiums. These are:
A police report holds all the necessary information about the car accident which is of the utmost value for the plaintiff or the victim. The insurance companies use the police reports to analyze the report and determine the necessary payouts or compensation.
California works as a no-fault state (comparative negligence) just like New York and some of the other states. This means that multiple insurance companies are liable to pay both parties compensation to help them recover their losses, however, the amount of monetary compensation depends on the degree of fault. A detailed report help establish the degree of fault allowing the insurance company to determine the claim for even an at-fault driver.
A no-fault state has a maximum threshold and in some states reaching $50,000 in economic damages is the maximum an insurance company can pay. But, the victim party can file for additional damages through a personal injury lawsuit.
In this case, the police report provides enough evidence for the victim to file for maximum compensation against the negligent party.
A police officer or the relevant law enforcement officer on duty at the time of the accident will visit the accident scene and note down as much detail as possible in the police report which includes the following:
Police reports take a bit of time and are not instantaneously available to anyone. Depending on the state you’re in, it might take 14 days for the police reports to be available, however, you might get it sooner or even later than that.
Once the police reports are ready, the parties (the negligent party, own insurance company, other driver’s insurance company, and yourself) can head down to the police precinct nearest to the accident site for the police reports. Usually, the party requiring police reports needs to pay a nominal fee of $22 for the police accident report, however, this also varies depending on the police precinct.
There are no specific state laws that enforces individuals to report their car accidents to their auto insurance company, however, it is usually within the signed insurance policy with the auto insurance company that requires reporting any type of accident or damage to the car immediately within a few days.
This is a clause that many auto insurance companies use because if you don’t report accidents within a specified period of time, you risk insurance coverages and insurance claims for non-compliance.
Got into a motor vehicle accident and it was the other driver’s fault? Are you injured and are looking for compensation for your loss? Contact us now and get a free consultation with one of our car accident attorneys where they will discuss your available legal options for your case.
We’ve had more than 3,000 clients with many successes and positive results. Our legal experts will help establish your claim and fight for your rights against the drivers involved by doing a thorough investigation, getting the official report, and filing a lawsuit so that you get paid for your losses. For more detailed information, call us at (213) 596-9642 today!