Transcript
Yes, you should call the police, even for a minor accident, in most cases. Here’s why and when it’s necessary:
Why You Should Call the Police
- Accurate Documentation: A police report provides an official record of the accident, including details about the involved parties, damages, and any traffic violations. This report can be crucial for insurance claims or legal disputes.
- Determination of Fault: While police officers typically don’t assign fault directly, their observations and documentation can help insurers determine liability.
- Hidden Damages or Injuries: Even if the accident seems minor, there may be underlying damage to vehicles or delayed injuries that appear later. A police report can support your claim if these issues arise.
- Legal Compliance: In many states, you are legally required to report an accident involving property damage, injuries, or fatalities. Failing to do so could result in fines or penalties.
- Disputes: If the other driver denies responsibility, a police report can serve as unbiased evidence to resolve conflicts.
When It’s Necessary to Call the Police
- Injuries: If anyone is injured, even slightly, call the police immediately.
- Significant Property Damage: If the damage appears extensive or one or more vehicles are undrivable, involve the authorities.
- Disputes: If the other driver refuses to share their information, admits fault but later denies it, or if there are signs of impairment, contacting the police is essential.
- Uninsured Drivers: If the other driver doesn’t have insurance, a police report will be critical for your uninsured motorist claim.
- Hit-and-Run: If the other driver flees the scene, report the incident to the police as soon as possible.
When You Might Not Need to Call the Police
- No one is injured.
- Damage is minimal (such as a fender bender or minor scratches).
- Both parties agree on the details and exchange information amicably.
However, it’s still advisable to call local law enforcement for guidance, as reporting requirements vary by state. Some jurisdictions require a police report for any accident involving property damage or personal injury, regardless of the extent.
What to Do If Police Don’t Respond
- File a report at the nearest police station or through your local DMV.
- Document the accident thoroughly with photos, witness statements, and exchanged information.
Conclusion
Calling the police after an accident, even a minor one, is generally a wise decision. It provides an impartial record of the incident and protects you in case of disputes or hidden issues. Always follow local laws regarding accident reporting and err on the side of caution when deciding whether to involve the authorities.
