Fender Bender or Totaled: The Importance of a Car Accident Report

A car accident report is crucial in objectively determining fault and damages in the midst of an accident.

Having access to your report can make a huge difference!

To find out why, be sure to keep reading as we explore the significance of accident reports.

A Report Is Needed to File an Insurance Claim

With the exception of Virginia and New Hampshire, drivers are legally required to maintain auto coverage. But even if you live in Virginia or New Hampshire, you’ll want to invest in coverage.

Why? Because auto coverage protects you and your vehicle financially.

But you can’t file a claim and receive compensation unless you first file a report with your carrier. Therefore, a car accident report is vital, especially since the report details the extent of the damage.

Without it, you could find yourself paying for auto repairs out of pocket. Even small repairs can cost a pretty penny!

A Car Accident Report Can Help Determine Fault

An accident report is a detailed description of the incident. That includes important information like the date of the crash, the makes and models of any vehicles involved, and the contact information of the involved parties.

However, it also features a significant section, where the police officer filling out the report will elaborate on the details of the accident.

It’s in this section that an officer will likely assign fault. Determining fault can affect your insurance payout and even your auto license status.

At the same time, you might disagree with the officer’s conclusions. You can, in fact, argue fault. However, to do so, you’ll need to point out the specifics of where the officer was wrong in the report.

So, do you need a car accident report to determine fault? Well, not always. But it makes things a whole lot easier and faster.

A Thorough Report Helps Your Legal Team

In many cases, an accident is a cut-and-dry incident. All parties go their own ways, leaving the incident behind and filing for insurance claims.

However, it isn’t always that easy.

If you were involved in a bad car accident, for instance, you may choose to sue for damages. Or, worse, another party involved in the crash might choose to sue you!

Likewise, your insurance provider may attempt to undercut you or accuse you of fraud.

Any of these situations can result in arduous and lengthy legal battles and you’ll need proper representation.

One of the first things a car accident lawyer requests is a copy of the accident report so they can best gauge your case. Having access to your report can ensure that you find the best lawyer possible.

Understanding the Importance of an Accident Report

Having access to a car accident report is important for so many reasons. It can speed up the insurance claims process, allow you to prove or refute fault, and even help you find legal consultation.

Once you receive a copy of your accident report, make sure to keep it somewhere safe.

And if you’d like to read up on more great tips, be sure to check back with our blog!