NO! Don’t call the police!

 In Colorado Insurance Agency, Colorado Insurance Company, Colorado Insurance Professional

Don’t Do It!

Accidents happen every day.  Sometimes those accidents involve cars.  But when should you involve the police? We regularly receive calls from customers who were in an accident, but decided it was minor enough that they didn’t need to call police to the scene.  These often involve just two cars and at a slow enough speed to do relatively minor damage to either vehicle.  Both parties decide it’s “not worth the hassle” and simply exchange information.  This is where the trouble begins.  The next day, one person finds out how much it will be to repair their car or finds out what the additional claim will do to their insurance rates.  That same person starts not returning phone calls, denies the accident ever happened, or changes their story and blames it on you.

Get A Police Report

As a rule of thumb it is always good to get a police report.  A police report is a written legal document.  This document can verify who was involved, where the accident occurred, how things happened, and will usually include personal and insurance information.  This information is vital in protecting you from frivolous claims: against you, your family, and your insurance policy.

Damage Often Costs More

Sometimes it is just better to call the police.  Even if the other driver wants to just pay you cash for the damage. This is a bad idea.  Car damage often costs more than you expect.  What if other party says they don’t have insurance what now?  Call the police anyways as this can help if your uninsured motorist protection needs to pay.  If you are involved in an accident it is always safer to call the police.  This will help you get through the trouble.

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Joshua Smith

Affordable American Insurance

Director of Social Media

jsmith@insuranceaai.com

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Comments
  • Brad Garrett

    In the past ten years as an agent I have learned that it is ALWAYS IMPORTANT TO CALL POLICE TO REPORT AN ACCIDENT. NEVER agree to NOT call the police, especially if the other party at fault asks you not to or if there is question as to who may be at fault. The only time any of us as drivers may not want to call the police is when the Denver Metro area is under accident alert due to weather concerns. IF THIS HAPPENS make sure to go to the Police Station or Colorado State Patrol office nearest to the point of accident and complete a Counter Report on your own behalf while the information is still fresh in your mind.