The question of whether or not one can provoke an insurance coverage course of following an incident with out formal legislation enforcement documentation represents a standard concern. It addresses the circumstances underneath which a person would possibly search compensation for damages or losses lined by an insurance coverage coverage, even when the occasion was not formally recorded by police. For example, a minor fender bender in a car parking zone with no accidents would possibly immediate a declare; nevertheless, a police report won’t be filed.
Understanding the potential of continuing with an insurance coverage request and not using a police document is necessary for a number of causes. It could possibly streamline the claims course of in sure conditions, significantly these involving minimal harm or when submitting a report shouldn’t be obligatory by legislation. Traditionally, insurers usually required police studies as normal documentation, however insurance policies and practices have developed, recognizing cases the place acquiring a report is likely to be impractical or pointless.
