A Service of Bill & Charlie's Auto Repair Call us at 517-374-6100

Monday, February 27, 2006

The Importance of a Police Report

If you're in an accident, even if it does not involve another car, get a police report.

If you're in a ditch, or have your vehicle stuck somewhere, call a tow truck.

These two instructions could end up saving you THOUSANDS of dollars, and that's not an exaggeration.

Here's why:

When you submit a claim to your insurance company, you need some proof to show that you are not trying to make a fraudulent claim. For example, let's say that you hit a patch of ice, and your car goes into a ditch. In that case, you should call a tow truck to get your car out, not try to get the car out yourself or with the help of a passerby. If any damage is done to your vehicle, either on the body or the mechanical parts, you may be able to submit an insurance claim and only have to pay a deductible. This comes in handy when you bring your car in and find that the accident you were in caused excessive damage, requiring a $2000 or more repair!

But without a police report or a tow bill, your insurance company has no way to verify if the situation causing the damage to your car was valid to your policy. So saving $50 on a tow charge or waiting for a police officer may just cost you a lot more than you thought!


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Thanks for the advice Ted!

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Just like having a receipt when claiming a refund for product, in police report of crimes or scams, a receipt is very important.

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Blogger Rondi Stratton said...

This is great information that most people would not think when they have been in an accident.

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Blogger Rondi Stratton said...

This is great information that most people would not think when they have been in an accident.

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