Is a police report necessary to file for an insurance claim in a hit and run?

[Epiphany]

title says it all.

 

[Mill]

I'd be almost certain it would be necessary, and a great help regardless.

 

[freebee]

Depends on state UMPD guidelines. IF no UMPD covgs, then under a coll loss, doesn't matter. Its all 1st party, and a ded will apply.

 

[Turkish]

pretty sure "yes"

 

[Heisenberg]

Originally posted by: freebee
Depends on state UMPD guidelines. IF no UMPD covgs, then under a coll loss, doesn't matter. Its all 1st party, and a ded will apply.

I read that 3 times, and didn't understand a frickin word.

 

[NikPreviousAcct]

It depends on what your insurance company requires. Any insurance company can give away their money all they want. It's their money. However, many companies will require it. Here's an idea... how about you call your insurance company and find out!

/me slaps forehead

 

[freebee]

Remember, a PR isn't even necessary in an ax, unless there are disputed ax desc or inj. Usually in r/e, p/u losses, etc.just get the other party's info and you should be fine. Police reports are overrated. Can't read their handwriting anyway.

 

Err on the side of caution and get a report.

However, after talking with one of my good cop friends, he did make some calls to an insurance company, following up a report he had to make...suffice to say, the insurance company said "We almost never look at them. I don't know why you guys keep sending them to us." He was kinda pissed because of all the useless paperwork he has done over the years.

 

[freebee]

Originally posted by: Heisenberg

Originally posted by: freebee
Depends on state UMPD guidelines. IF no UMPD covgs, then under a coll loss, doesn't matter. Its all 1st party, and a ded will apply.

I read that 3 times, and didn't understand a frickin word.

Uninsured motorist property damage. Its dependent on state law, not on each insurance company. Some states don't have UMPD. Therefore, in states without UMPD, his only option is to claim under physical damages, ie collision coverage in which a deductible will apply.

 

[bleeb]

Originally posted by: Mill
I'd be almost certain it would be necessary, and a great help regardless.