Is a police report required to file an auto insurance claim against someone?

File a report. I was once hit from behind, and the woman said it was her fauolt and that she's pay for the damage. We exchanged info--I gave her my business card and took everything on her insurance card.

But you know the saying "Loose Lips Sink Ships? " I mentioned that the expiration date on the card was literally two days before the incident. She swore up and down she had a renewal at home, and I almost let it go.

But then she looked at my license plate and said "Well, your tag is expired, anyway. " I pointed out to her that Missouri had moved the year tag that year and that she was looking at the wrong one, and I said "You're uninsured, sweetheart, we're getting a report. Get comfy, the station is one mile up the street, they'll be here in seconds.

The officer actually gave her 24 hours to produce proof of insurance at the station. It turned out that she was insured, but the police report also said she told the officer that she was talking to her teenage daughter and didn't see me stopped there at a red light. After she repeatedly ignored my calls, I called her insurance company to get a name of someone there.

I said , "OK, now I want you to stand by your fax machine, I've got something for you" . I am a huge stickler for consumer advocacy--it's what I do. It took a well-crafted letter, accompanied by the repair estimate and police report, faxed straight up to them.

How much letter writing do I do? In the words of the local field representative of one US Senator I recently contacted, when I met the man face-to-face, "YOU'RE the guy that wrote the letter! " Yes, that's me.

You could file the claim without the report but you have no proof and it would be worked out between the two insurance companies, affecting your rate.. if you file the report, the police will question at least the mother if the kid is under 18. If there is damage to the mother's car, they may note it in a report. There will undoubtedly be a perceived possibility of legal action-people in uniforms are a very good indication that you're playing hardball, because it might technically qualify as a hit & run.

That alone may get them to pay. Make sure you don't wait--some areas only give you 48 hours to file it. And say absolutely nothing to the kid or his representatives--if you're 100% sure he's at fault and have a police report to that effect, you'll get a check from the insurance company very quickly.No attorney needed if he's at fault and you have the license plate number and names & description of the car.

Let the police work for you.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.