Do I Need a Police Report to File an Insurance Claim in North Carolina?

June 8, 2023
By admin

If you submit a police accident report to your insurance company, it could help speed up the process. However, you can still pursue your claim even if you don’t have one. Insurance companies have an obligation to respond to claims whether a crash report was created or not. Adjusters typically use crash reports to determine who was at fault in a car accident. If you’ve been hurt due to another person’s negligence and have questions about police reports and insurance requirements, please contact us at Rhine Law Firm, P.C. Your best interests are at the forefront of everything we do, and our attorneys will give you the personal attention you deserve.

How do I file a police report after a car accident?

Often, filing a police report in North Carolina is as simple as notifying law enforcement of the collision. However, in cases where the accident involves bodily injuries or property damage, the police are required to appear at the scene and make a report. Therefore, notifying law enforcement and waiting for them to arrive meets your obligation under the law.

If for some reason, the police are not notified, you can still report an accident to state authorities. There are several ways to do this, including by phone or the NC DPS website.

How to file an insurance claim without a police report

Even without a police report, you will need to notify your insurance company of the accident as soon as possible. However, the insurance company will still want the information that would have been included, such as:

Well dressed insurance assessor inspecting damaged vehicle
  • The location of the accident
  • The time and date of the crash
  • The involved parties and their contact information
  • Relevant insurance policy information
  • Details of damage
  • Details of injuries
  • Any relevent weather issues
  • Contact information for witnesses

Contact us for a free consultation

In the aftermath of a car accident, securing legal counsel is crucial, especially when negotiating complex insurance requirements and police reports. Please contact us at Rhine Law Firm to schedule a free consultation. We have over 35 years of experience representing people just like you. We offer aggressive personal injury representation on a contingency basis. This means we don’t receive attorney fees unless we win or settle your claim.

We look forward to hearing from you.

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