In that instance, it is also a good idea to ask for law enforcement assistance. If the accident occurs during inclement weather, your call to 911 or local law enforcement might be met with instructions stating that, if there are no injuries involved, local law enforcement personnel cannot respond to your accident scene due to other emergencies presented by the weather conditions. People who are involved in minor collisions often try to avoid reporting these types of accidents to their insurance companies for two reasons: It is important to understand that every single automobile insurance policy in the country requires policyholders to immediately report any accident in which they are involved. The only time it might be reasonable to avoid reporting an accident to the insurance company is if the accident happens in your vehicle, on your property, no injuries are involved, and the only damage is to property that you own. Regarding the law, the more accurate question is: "When am I required to file an accident report with the police?" By using The Balance, you accept our. If it was a minor accident and you only exchanged information with the other driver and didn’t have a police report made, then it is doubtful that it would make it onto your driving record, but you should check to see if your state requires you to report the accident to police or file an accident report with the DMV. When you’re in a crash, you must stop your vehicle at the scene until you’ve fulfilled the requirement of making a report. Knowing about how police reports work and whether or not to file one well before an accident happens is a good idea. Accessed Jan. 16, 2020. All crashes resulting in injury (such as broken bones or a night in hospital) should be reported by calling 105 or visiting your local police as soon as is practicable and no later than 24 hours from the time of the crash. I don't mean to be cynical, but the truth is that people can be a little shaken up and not thinking too clearly right after an accident. Minor Car accident, no police report? I was in a minor car accident about two weeks ago here in Florida. Every state requires drivers to exchange this kind of information if they have been involved in an accident. Connecticut State Department of Emergency Services and Public Protection. Drivers must stop even in a slight fender bender that doesn’t seem to have caused much damage. "Need" May Be The Wrong Word . But accidents, no matter how serious, can be scary and confusing. The average driver will be in a car accident once every 18 years. In the vast majority of cases, having an auto accident is a question of when not if. Since joining the industry, she has significantly contributed to the book of business for independent agency, Great Michigan Insurance. In most states, the police will not file a report for accidents occurring on private property. What is private property? That's because all states have their own unique rules about when a report must be filed. I do not think they filed a police report. There are some accidents that you don't need a police report for, ones where the damage was minor, no injuries were suffered, and everyone involved was properly licensed, fully insured and, well, nice and polite to each other. However, the collisions can still result in minor property damage to the cars, whether it’s a dented bumper or fender, or scrapes and scratches on the paint. So it's no surprise that the facts surrounding an accident may be somewhat cloudy even just a day or two later. If it is only a minor fender-bender that results in no injuries and no damage or merely a tiny dent, it is not necessary to get a police report. Frequently these accidents do not cause any injuries to the drivers or passengers. 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