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Forum
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amother
OP
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 Sun, Oct 22 2023, 8:37 pm
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If a police report was filed, does it automatically go to your car insurance record or only if you file a claim?
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amother
Lightpink
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Sun, Oct 22 2023, 8:39 pm
| amother OP wrote: | | If a police report was filed, does it automatically go to your car insurance record or only if you file a claim? |
Only if you file a claim I think
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amother
Candycane
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Sun, Oct 22 2023, 8:53 pm
Following!
Was just in a fender bender for the first time since starting to drive 15 yrs ago…
Can’t seem to get an answer. Everyone I asked says something else!
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amother
Aster
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Sun, Oct 22 2023, 9:47 pm
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amother
OP
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Sun, Oct 22 2023, 10:29 pm
thank you for responding
so if I choose not to file a claim (and pay the other person out of pocket) then there is a chance that my insurance will not receive record of this even though a police report was filed?
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amother
Wine
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Sun, Oct 22 2023, 10:51 pm
Anyone who has access to the police report can file the claim.
I’m a hospital social worker and we see lots of Patients coming in after motor vehicle accident. Primary insurance must be no fault so though most often the cases haven’t been called in, I do it.
Doesn’t sound like your incident involved a hospital or doctor visit so it’s not the same thing.
But it’s important to know that anyone can call it in
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amother
OP
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Sun, Oct 22 2023, 10:53 pm
| amother Wine wrote: | Anyone who has access to the police report can file the claim.
I’m a hospital social worker and we see lots of Patients coming in after motor vehicle accident. Primary insurance must be no fault so though most often the cases haven’t been called in, I do it.
Doesn’t sound like your incident involved a hospital or doctor visit so it’s not the same thing.
But it’s important to know that anyone can call it in |
But if no one actually calls it in (there were no injuries) then theoretically the insurance doesn't have it on file?
(Trying to figure out if its a slam dunk once police report was filed if insurance is notified or not
Thanks
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amother
Wine
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Sun, Oct 22 2023, 10:55 pm
| amother OP wrote: | But if no one actually calls it in (there were no injuries) then theoretically the insurance doesn't have it on file?
(Trying to figure out if its a slam dunk once police report was filed if insurance is notified or not
Thanks |
Are you certain no one in the other car was hurt at all?
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amother
Aster
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Sun, Oct 22 2023, 10:57 pm
| amother OP wrote: | But if no one actually calls it in (there were no injuries) then theoretically the insurance doesn't have it on file?
(Trying to figure out if its a slam dunk once police report was filed if insurance is notified or not
Thanks |
see my post at 9:47
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amother
OP
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Sun, Oct 22 2023, 11:38 pm
| amother Wine wrote: | | Are you certain no one in the other car was hurt at all? |
Yes
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amother
OP
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Sun, Oct 22 2023, 11:40 pm
Am I understand from that that you think the insurance will have that info when it's up for renewal?
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amother
OP
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Sun, Oct 22 2023, 11:42 pm
Am I understanding from that that you think the insurance will have that info when it's up for renewal?
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groisamomma
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Sun, Oct 22 2023, 11:44 pm
At renewal time they pull your DMV records. It's right there, even if you didn't file a claim. They've reminded me of small incidents that weren't even on my radar because noone got hurt and I didn't bother filing a claim (cosmetic or too time-consuming).
ETA small incidents that you didn't file a claim for impact your renewal costs minimally.
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amother
OP
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Sun, Oct 22 2023, 11:54 pm
| groisamomma wrote: | At renewal time they pull your DMV records. It's right there, even if you didn't file a claim. They've reminded me of small incidents that weren't even on my radar because noone got hurt and I didn't bother filing a claim (cosmetic or too time-consuming).
ETA small incidents that you didn't file a claim for impact your renewal costs minimally. |
Thank you this is super helpful. So if I don't file a claim I can hope that if even if my premiums go up it would be minimal but if I file a claim it can go up more...
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amother
Lavender
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Sun, Oct 22 2023, 11:54 pm
It will be on your record but if there is no payout from insurance it wont effect ur renewal premium
Insurance broker here
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groisamomma
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Sun, Oct 22 2023, 11:55 pm
| amother OP wrote: | | Thank you this is super helpful. So if I don't file a claim I can hope that if even if my premiums go up if would be minimal but if I for a claim it can go up more... |
Yes.
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groisamomma
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Sun, Oct 22 2023, 11:56 pm
| amother Lavender wrote: | It will be on your record but if there is no payout from insurance it wont effect ur renewal premium
Insurance broker here |
This sounds like it. (Sadly, we go around this block often with fender benders 😄)
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amother
OP
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Sun, Oct 22 2023, 11:57 pm
Thanks all!!
Think I'll pay out of pocket and not file a claim then
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amother
Cherry
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Mon, Oct 23 2023, 12:14 am
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Does your insurance let you have a free accident, where nothing goes up or happens?
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amother
OP
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Mon, Oct 23 2023, 9:11 pm
| amother Cherry wrote: | | Does your insurance let you have a free accident, where nothing goes up or happens? |
nope...
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