Obtaining the Police Report
One of the most frustrating parts of the claims process when you’ve been injured is obtaining the police report. After seeking medical care for your injuries, it is only natural to want to file a claim with the at-fault driver’s insurance company. You can file a claim right away. However, getting the insurance company to accept liability is an entirely different story.
The police report is an important tool to document how the accident happened, the parties involved, the injuries sustained, and the damage done to the vehicles. The investigating officer also documents an opinion on which party was at fault. Most, if not all, insurance companies will not accept liability for the crash before an adjuster reviews the police report. Sometimes, it can take weeks for the investigating agency to release the police report.
Until the crash report is released, you may be left without a vehicle. This could mean out-of-pocket expenses for a rental car and storage fees for keeping your damaged vehicle at the tow yard, even though the accident was not your fault. This is why it is important to consider carrying rental car coverage and personal injury protection benefits on your auto insurance policy. Having these funds available can go a long way in helping you financially when you are involved in an unexpected accident.
If you or someone you know has been injured as a result of an auto accident, call a board certified personal injury attorney to evaluate your potential claim.