If you don’t report your car accident, you risk your insurance company denying coverage, and you risk not being able to file a claim for damages against another at-fault party without a police report. You have to report your car accident to both your insurance company and the police if you want to protect your rights to recover compensation.

Do I need to call the police for a minor car accident?

Should I call the police after a minor car accident?You have a legal obligation to report accidents to your insurer under the terms and conditions of your car insurance policy. If you do not report your accident to your insurer, they may deny coverage for your accident.

As for reporting your car accident to the police, accidents involving an injury, death, a hit-and-run, an intoxicated driver, or property damage more than $500 must be reported immediately to law enforcement.  If you don’t call the police and have them fill out a report documenting the accident and gathering facts, then it’s your word against the other driver’s word. This makes your claim difficult and can cause significant problems in any case. 

Quick Guide to Louisiana Accident and Injury ClaimsI've written a book Quick Guide to Louisiana Accident and Injury Claims. This is a helpful and informative guide that will lead you through some of the common mistakes that can wreck your personal injury claim.  Discover why you may not even need an attorney! Get answers to your questions about recorded statements, paying medical bills, getting your vehicle repaired, negotiating a settlement, and much more! Don't make a costly mistake that could cause you to accept a settlement that is too small to cover your medical bills and lost wages! You need to read this before you talk to an attorney or insurance adjuster.  I'd love to send you a copy. Just click here to receive your free copy of my book Quick Guide to Louisiana Accident and Injury Claims.

Loyd J. Bourgeois
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Accident, injury, and disability attorney serving Luling, Metairie, New Orleans, and South Louisiana