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.
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!