How lengthy to file automobile coincidence to insurance coverage is a crucial side of the claims procedure, various considerably throughout jurisdictions. Figuring out the timelines and attainable penalties of not on time reporting is paramount for drivers focused on injuries. This information delves into the intricacies of reporting procedures, taking into consideration components like coincidence severity, location, and required documentation.
This complete research explores the nuanced laws surrounding coincidence reporting, outlining the precise timeframes in more than a few areas. It examines the a very powerful parts of accumulating proof, documenting the scene, and navigating the verbal exchange channels vital for a easy and efficient claims procedure. Moreover, it addresses the criminal implications and attainable ramifications of failing to agree to reporting closing dates.
Reporting Timeframes
The swift and correct reporting of a automobile coincidence on your insurance coverage supplier is paramount. Delays, alternatively apparently insignificant, can cause a cascade of headaches, from escalating declare disputes to attainable denials. Figuring out the precise reporting closing dates to your area is a very powerful for navigating the insurance coverage procedure easily.
Conventional Reporting Closing dates
Insurance coverage corporations in more than a few areas adhere to precise closing dates for reporting automobile injuries. Those closing dates, regularly legally mandated, dictate the time-frame inside of which you will have to notify your insurer in regards to the incident. Failure to satisfy those closing dates can lead to headaches and, in some circumstances, denial of protection. Figuring out the related time frame in your area is important.
US Reporting Timeframes
In the US, there is not any unmarried, uniform time frame for reporting injuries to insurance coverage. The precise time limit varies by way of state and regularly depends upon the instances surrounding the coincidence. It is a very powerful to seek the advice of your state’s regulations and laws. Regularly, police involvement dictates the time-frame for reporting.
UK Reporting Timeframes
In the UK, there’s a criminal legal responsibility to file injuries involving harm or harm to the police. Following this notification, your next step is to file the coincidence on your insurer. Whilst no precise time limit is imposed, it is really helpful to file the coincidence inside of an affordable time frame, usually inside of a couple of days of the incident. Delays would possibly impede the declare procedure.
Australian Reporting Timeframes
In Australia, there is not any fastened time frame dictated by way of regulation. The insurance coverage corporate will in most cases supply steerage at the procedure. Reporting the coincidence promptly is regularly urged to keep away from any headaches all the way through the claims process. The time-frame is in most cases inside of a couple of days of the incident.
Penalties of Past due Reporting
Failing to file an coincidence throughout the stipulated time frame may end up in critical penalties. Those can vary from declare denials to barriers at the scope of protection. Insurance coverage corporations regularly reserve the correct to refuse claims if studies are not on time past affordable limits. Figuring out those implications help you to behave promptly and keep away from useless headaches.
Comparability Desk of Reporting Timeframes
| Area | Conventional Reporting Cut-off date | Consequences for Past due Reporting |
|---|---|---|
| US (Instance: California) | Usually, inside of 24-48 hours of the coincidence, with police file if concerned | Doubtlessly denied protection; criminal implications range by way of state. |
| UK | Inside a couple of days of the incident, relying at the instances. | Doubtlessly hindered declare procedure, particularly if delays are considerable. |
| Australia | Inside a couple of days of the incident, relying at the instances. | Doubtlessly hindered declare procedure, particularly if delays are considerable. |
Components Influencing Reporting Time
Navigating the aftermath of a automobile coincidence calls for cautious attention of a number of components, specifically when figuring out the optimum time to file the incident on your insurance coverage supplier. This comes to extra than simply the instant aftermath; it is about meticulously accumulating a very powerful knowledge and assessing the prospective have an effect on of the coincidence. A well-informed method can considerably streamline the claims procedure and make sure a smoother solution.Figuring out the nuances of reporting timeframes permits drivers to make told selections, in the long run minimizing attainable headaches and maximizing the chance of a positive end result.
Components just like the severity of the wear and tear, the presence of accidents, and the need for fast motion all play a a very powerful position in shaping the perfect reporting window.
Severity of the Coincidence
The severity of the coincidence considerably influences the reporting time frame. Minor fender-benders, usually involving minimum harm and no accidents, can regularly be addressed via a handy guide a rough trade of knowledge and documentation. Against this, main collisions, characterised by way of considerable harm and probably critical accidents, necessitate instant reporting to verify urged clinical consideration and suitable declare dealing with. The presence of important accidents straight away necessitates reporting to each emergency products and services and the insurance coverage corporate.
Collecting Data After an Coincidence
Thorough documentation is important following any coincidence. This contains accumulating main points comparable to the opposite motive force’s insurance coverage knowledge, registration code quantity, touch main points, and witness statements. Pictures of the wear and tear to each cars, at the side of any visual accidents, are extremely really useful. This meticulous method guarantees the declare procedure is well-supported with the vital proof. The extra complete the documentation, the smoother the reporting procedure shall be, and the easier the end result of the declare.
Significance of Collecting Data
Collecting knowledge at once affects the reporting time. A whole listing of the incident, together with the main points of the opposite motive force, witnesses, and any belongings harm, permits for a transparent and correct file. The presence of supporting documentation can expedite the claims procedure, streamlining the time taken for evaluate and backbone. In scenarios involving more than one events, having complete knowledge can considerably cut back ambiguity and disputes.
Minor Fender-Benders vs. Primary Collisions
Reporting procedures range significantly between minor fender-benders and main collisions. Minor fender-benders regularly contain a easy trade of knowledge, with attainable follow-up reporting contingent at the extent of the wear and tear or perceived legal responsibility. Against this, main collisions call for instant reporting because of the potential of vital belongings harm, critical accidents, and the desire for emergency products and services. Instant reporting guarantees the urged dealing with of the location and stops additional headaches.
Scenarios Requiring Instant Reporting
A lot of scenarios necessitate instant reporting, even within the absence of accidents. Those come with injuries involving vital belongings harm, injuries going on on a freeway or main street, incidents the place the opposite motive force is suspected of riding below the affect, and injuries leading to harm to site visitors infrastructure or site visitors lighting. Injuries involving harm to a parked automobile, or involving a probably hazardous scenario (comparable to a automobile that seems to be malfunctioning) additionally require instant reporting.
In such circumstances, reporting is a very powerful to verify the protection of all events concerned and the right kind dealing with of the incident.
Reporting Procedures
Navigating the intricate global of insurance coverage claims after a automobile coincidence can really feel daunting. On the other hand, a transparent and methodical method to reporting can streamline the method and make sure a smoother solution. Figuring out the vital steps, documentation, and attainable pitfalls will empower you to take care of the location successfully.This phase Artikels the crucial steps focused on reporting a automobile coincidence on your insurance coverage supplier, offering a complete information to verify a swift and a success declare.
We will be able to delve into the precise documentation wanted, the a very powerful knowledge required from all events, and very important methods for on-line or telephone reporting, all geared toward mitigating not unusual errors.
Step-by-Step Reporting Process
A structured method to reporting an coincidence is vital to a easy claims procedure. This detailed process guarantees all vital knowledge is accumulated and documented appropriately.
- Safe the scene: Right away after the coincidence, prioritize protection. Make certain all events are protected and summon emergency products and services if wanted. Alternate touch knowledge and insurance coverage main points with all concerned events. Record the site, time, and instances of the coincidence. Take pictures of the wear and tear to the cars and the scene.
- Report back to Regulation Enforcement (if required): In lots of jurisdictions, reporting to regulation enforcement is obligatory for injuries leading to harm or vital belongings harm. Seek the advice of native laws to resolve if a file is vital.
- Notify Your Insurance coverage Corporate: Touch your insurance coverage supplier promptly. Supply them with the main points of the coincidence, together with the time, date, location, and concerned events. Apply their particular reporting procedures. This regularly features a declare quantity or a novel reference for the case.
- Accumulate Documentation: Bring together all related paperwork, comparable to police studies, clinical expenses (if acceptable), restore estimates, and witness statements. The completeness of this documentation is a very powerful for a a success declare.
- Entire the Declare Shape: Fill out the insurance coverage declare shape appropriately, offering all asked knowledge. Make certain all main points fit the documentation accumulated. Errors on this step can prolong the method.
- Apply Up: Handle open verbal exchange along with your insurance coverage corporate. Apply up at the standing of your declare and supply any further asked knowledge.
Essential Documentation
Thorough documentation is necessary for a swift and correct declare processing. This guarantees all proof and main points are accounted for.
- Police Record: A police file, if filed, supplies an in depth account of the coincidence and is regularly a crucial a part of the declare procedure.
- Insurance coverage Data: Be sure to have your insurance plans main points, together with coverage quantity, protection quantities, and phone knowledge.
- Clinical Information: If accidents had been sustained, clinical data are very important for figuring out the level of accidents and any comparable prices.
- Car Restore Estimates: Download estimates for automobile upkeep from respected mechanics.
- Witness Statements: Witness statements can give treasured insights into the coincidence’s instances.
Data Required for Every Birthday celebration
This desk Artikels the very important knowledge wanted for every birthday celebration concerned within the coincidence. Accuracy on this information is important for right kind declare processing.
| Birthday celebration | Required Data |
|---|---|
| Motive force 1 | Identify, touch knowledge, insurance coverage main points, automobile main points, description of occasions |
| Motive force 2 | Identify, touch knowledge, insurance coverage main points, automobile main points, description of occasions |
| Passengers (if any) | Identify, touch knowledge, description of accidents (if acceptable) |
| Witnesses (if any) | Identify, touch knowledge, description of occasions |
On-line and Telephone Reporting Information
On-line and get in touch with reporting choices be offering comfort and versatility in reporting automobile injuries. Select the process highest suited on your instances.
- On-line Reporting: Many insurance coverage corporations supply on-line declare portals. Those portals usually require get entry to on your account knowledge and the power to add supporting paperwork.
- Telephone Reporting: Touch your insurance coverage supplier at once. Apply their directions moderately, and make sure all knowledge is obviously conveyed.
- Essential Concerns: Obviously state the date, time, and placement of the coincidence. Supply all related main points appropriately and fully. Double-check the accuracy of all knowledge prior to filing.
Not unusual Errors to Keep away from
Heading off those not unusual errors can expedite the declare procedure and make sure a smoother enjoy.
- Delaying Reporting: Urged reporting is a very powerful for starting up the declare procedure. Useless delays can have an effect on the declare’s end result.
- Misguided Data: Offering faulty knowledge can considerably prolong and even jeopardize the declare. Double-check all main points for accuracy.
- Failing to Accumulate Documentation: Making sure all vital documentation is collected and submitted promptly is very important.
- No longer Following Insurance coverage Procedures: Every insurance coverage corporate has particular reporting procedures. Adhering to those procedures will ensure that the declare is processed appropriately.
Documentation and Proof
Within the aftermath of a automobile coincidence, meticulous documentation turns into paramount. Correct data are a very powerful for an excellent and environment friendly insurance coverage declare procedure. This phase main points the very important proof to assemble, how one can record the scene, and the significance of acquiring witness statements and police studies. This detailed method guarantees a transparent image of the incident, supporting your case and assisting in a swift solution.Thorough documentation is necessary to turn out the details of the coincidence and your point of view.
It serves as a tangible listing of the occasions, the instances, and the wear and tear incurred, considerably bolstering your declare and facilitating a smoother insurance coverage procedure. This procedure permits for a transparent image of the location, mitigating any attainable disputes or misunderstandings.
The most important Proof to Accumulate
The instant aftermath of a collision is a crucial time for accumulating proof. Key items of knowledge come with the names, touch main points, and insurance coverage knowledge of all concerned events. This knowledge is very important for submitting claims and speaking with the respective insurance coverage corporations. Documenting the cars’ harm, together with pictures and outlines, could also be crucial. Those main points function proof of the level of the wear and tear.
Documenting the Coincidence Scene
Correct documentation of the coincidence scene is a very powerful for offering a complete account of the development. Pictures and movies of the cars’ harm, skid marks, and the total scene are valuable. Those visuals will have to obviously display the positions of the cars, the wear and tear, and every other related main points. Remember to take pictures from more than one angles to offer an entire point of view.
Witness Statements and Touch Data
Acquiring witness statements is regularly crucial to enhance your model of the occasions. Witness accounts can give treasured insights and corroborate your claims. In moderation listing the names, touch knowledge, and accounts of any witnesses. If conceivable, protected their touch knowledge straight away. If witnesses are reluctant to offer a observation, with courtesy request their cooperation, emphasizing the significance in their point of view.
Police Stories within the Reporting Procedure
A police file, when received, can considerably affect the insurance coverage declare procedure. A police file supplies an reputable account of the incident, together with information about the coincidence’s reason and contributing components. If a police file is filed, be sure you download a duplicate. The file acts as a proper listing of the incident, regularly influencing the evaluate of legal responsibility and the following insurance coverage claims procedure.
Importance of Other Kinds of Documentation
| Form of Documentation | Importance |
|---|---|
| Pictures and Movies of the Coincidence Scene | Supply visible proof of the cars’ positions, harm, and surrounding atmosphere. |
| Witness Statements | Be offering unbiased accounts of the development, probably corroborating your model of the incident. |
| Police Record (if to be had) | Supplies an reputable account of the coincidence, together with main points of the reason and legal responsibility. |
| Insurance coverage Data and Touch Main points | Very important for submitting claims and facilitating verbal exchange with insurance coverage corporations. |
| Car Injury Documentation | Supplies proof of the level of the wear and tear on your automobile and different concerned cars. |
Verbal exchange and Apply-up
Navigating the aftermath of a automobile coincidence may also be daunting. Figuring out the verbal exchange protocols along with your insurance coverage corporate is a very powerful for a easy and environment friendly declare procedure. This phase supplies a structured information to verify your voice is heard and your rights are safe during the declare solution.Efficient verbal exchange along with your insurance coverage supplier is paramount to a a success declare solution.
This comes to transparent and concise verbal exchange, urged responses, and meticulous record-keeping. Failing to care for open verbal exchange channels may end up in delays and headaches within the declare procedure.
Speaking with the Insurance coverage Corporate
Efficient verbal exchange with the insurance coverage corporate is very important for a easy declare solution. This comes to offering correct knowledge, responding promptly to inquiries, and keeping up a certified demeanor. Figuring out the corporate’s verbal exchange channels (e.g., telephone, electronic mail, on-line portals) can streamline the method. Handle an in depth listing of all interactions.
Following Up on Declare Standing
Frequently checking the standing of your declare is necessary for proactive control. Make the most of the designated channels supplied by way of your insurance coverage corporate to observe the growth of your declare. Identify a agenda for checking updates, be it day by day, weekly, or as directed by way of the insurance coverage supplier. Figuring out the declare’s lifecycle and expected timelines is helping watch for attainable delays.
Keeping up Information of Communications
Thorough documentation of all communications is important. This contains timestamps, names of people contacted, main points of conversations, and any supporting paperwork exchanged. Stay copies of all correspondence, together with emails, letters, and notes. This listing serves as valuable proof will have to any discrepancies get up. Handle a devoted document for the declare procedure.
Addressing Discrepancies or Problems
Discrepancies within the declare procedure would possibly get up. In case you come upon any problems or discrepancies, deal with them promptly with the insurance coverage corporate. Keep up a correspondence your issues obviously and concisely, outlining the precise issues of war of words. Record the character of the discrepancy, the date of the verbal exchange, and the responses gained.
Escalating Issues to Related Events
Will have to problems persist regardless of preliminary makes an attempt to unravel them at once, escalate your issues to the fitting events throughout the insurance coverage corporate. Determine the escalation channels throughout the corporate’s construction and stick with the prescribed process for escalation. If vital, talk over with criminal recommend to grasp your rights and choices. Search criminal recommend to offer protection to your pursuits.
Criminal Concerns
Navigating the criminal panorama surrounding a automobile coincidence is a very powerful. Figuring out the results of reporting to insurance coverage, the significance of criminal recommend, and the prospective ramifications of delays is necessary for all events concerned. This phase delves into the criminal obligations and procedures inside of other jurisdictions, emphasizing the significance of meticulous record-keeping and urged motion.The criminal framework surrounding automobile injuries varies considerably by way of jurisdiction.
Those variations have an effect on the precise reporting necessities, timeframes, and the evidentiary weight assigned to more than a few facets of the coincidence. Subsequently, it is very important to grasp the fitting laws inside of your particular location.
Criminal Implications of Reporting
Reporting a automobile coincidence to insurance coverage is regularly a criminal legal responsibility. Failure to conform may end up in critical consequences, together with fines, suspension of riding privileges, and even felony fees, relying at the particular instances and the jurisdiction. The prospective consequences for failing to file range considerably in response to the acceptable regulations.
Significance of Consulting with an Lawyer, How lengthy to file automobile coincidence to insurance coverage
Consulting with an legal professional is extremely really useful, specifically in complicated or probably contentious circumstances. An legal professional can advise at the particular criminal necessities to your jurisdiction, lend a hand acquire proof, and information you during the criminal procedure. Skilled criminal recommend can give a crucial benefit in protective your rights and pursuits. A legal professional can interpret complicated criminal jargon and make certain that your rights are safe during all the procedure.
Doable Ramifications of Failing to Record
Failing to file an coincidence throughout the specified time frame could have critical penalties. This may increasingly come with shedding the power to pursue reimbursement for damages, and even dealing with felony fees. Relying at the instances, a prolong in reporting may considerably have an effect on your talent to assert reimbursement for accidents, damages on your automobile, or different losses. As an example, a failure to file throughout the stipulated time frame may lead to a denial of insurance coverage claims or an lack of ability to offer a complete and admissible case in courtroom.
How Insurance coverage Corporations Use Reporting Data
Insurance coverage corporations meticulously evaluate the reporting knowledge to evaluate legal responsibility. This analysis considers the main points of the coincidence, statements from all events concerned, and supporting documentation. This procedure goals to resolve the level of fault and determine the fitting monetary settlements. Insurance coverage corporations make the most of this knowledge to grasp the collection of occasions, determine contributing components, and assess the culpability of every birthday celebration concerned.
Criminal Obligations of All Events Concerned
All events focused on a automobile coincidence undergo criminal obligations. Those come with, however aren’t restricted to, reporting the coincidence to the fitting government, cooperating with investigations, and offering honest statements. Failing to satisfy those obligations can lead to criminal consequences. This additionally encompasses the obligation to mitigate damages, that means that people are anticipated to take affordable steps to reduce any more hurt because of the coincidence.
- Motive force Duty: Drivers are answerable for reporting the coincidence to their insurance coverage corporate and any related government. Failure to take action may result in vital criminal penalties.
- Passenger Duty: Passengers also are anticipated to cooperate with the reporting procedure and supply honest statements, if vital. They will have to ensure that their movements are in compliance with native regulations and laws.
- Witness Duty: Witnesses have a criminal legal responsibility to offer correct and entire knowledge to government or insurance coverage corporations, if asked.
Heading off Not unusual Errors
Navigating the aftermath of a automobile coincidence may also be overwhelming. Insurance coverage claims, regularly complicated and significant, require meticulous consideration to element. Failing to stick with right kind procedures may end up in delays, denials, or even monetary repercussions. This phase highlights not unusual pitfalls and provides methods to avoid them.Not unusual errors in coincidence reporting can stem from a mix of tension, confusion, and a lack of knowledge of the method.
Regularly, those errors, apparently minor on the time, can considerably have an effect on the end result of the declare. Figuring out those mistakes and their attainable penalties empowers drivers to method the method with better readability and self assurance.
Figuring out Not unusual Reporting Mistakes
Drivers regularly make crucial mistakes in reporting injuries, which will considerably impede the declare’s luck. Those mistakes can contain overlooking necessary knowledge, offering faulty accounts, or failing to record very important proof. A proactive method, spotting attainable pitfalls, is vital to a easy and environment friendly declare procedure.
- Inadequate or faulty knowledge supplied all the way through the preliminary file. Examples come with failing to say all events concerned, omitting information about the coincidence’s location, or offering a obscure description of the incident. This may end up in a not on time or denied declare.
- Failure to assemble a very powerful proof on the scene. This contains failing to take images of the wear and tear to cars, acquiring touch knowledge from witnesses, or retaining the scene for later inspection. Such omissions can considerably weaken the declare’s credibility and probably result in rejection.
- Extend in reporting the coincidence. Insurance coverage insurance policies regularly have particular timeframes for reporting injuries. Failure to satisfy those closing dates may end up in the declare being rejected or invalidated. This can be a a very powerful side to grasp and act upon promptly.
- Offering inconsistent or contradictory statements all the way through the declare procedure. Inconsistencies within the account of the coincidence between statements or studies can carry doubts in regards to the veracity of the declare. It will probably result in a denial or prolong within the declare’s solution.
- Neglecting to record all accidents sustained within the coincidence. Failing to record all accidents and clinical remedy, together with any follow-up care, can impede the declare for reimbursement. That is crucial for complete protection.
Penalties of Errors
The results of those reporting mistakes can range in severity. A minor oversight may end up in a prolong in declare processing, whilst extra vital mistakes can lead to the declare being denied altogether. This can lead to a lack of reimbursement for damages, accidents, or different comparable bills.
- Behind schedule declare processing. Incomplete or faulty knowledge may cause delays within the insurance coverage corporate’s analysis of the declare, impacting the timeline for agreement.
- Declare denial. Vital inaccuracies, inconsistencies, or omissions may end up in the insurance coverage corporate denying the declare, leaving the claimant with out the vital monetary reimbursement.
- Diminished reimbursement. Incomplete or faulty reporting can lead to a decrease agreement quantity, particularly if a very powerful main points are lacking or no longer documented.
- Criminal headaches. Errors within the reporting procedure may end up in criminal headaches, together with disputes over legal responsibility and damages.
- Strained relationships with insurance coverage corporations. Repeated or vital mistakes can harm the connection with the insurance coverage corporate, making long term interactions harder and probably affecting long term claims.
Significance of Accuracy and Completeness
Accuracy and completeness are paramount in coincidence reporting. Each element, regardless of how apparently minor, can affect the end result of the declare. An intensive and correct file strengthens the declare’s credibility and complements the possibilities of a positive solution.Keeping up accuracy during the method is a very powerful. This contains offering actual descriptions, accumulating all vital proof, and adhering to the insurance coverage corporate’s reporting pointers.
Detailed documentation and correct statements are necessary for a success claims.
Methods for Heading off Misunderstandings
Keeping up open verbal exchange with the insurance coverage corporate is a very powerful. Obviously articulate the main points of the coincidence, and actively search explanation on any uncertainties or ambiguities. A proactive method can reduce misunderstandings and make sure a smoother declare procedure.
- Search explanation on any ambiguities or uncertainties with the insurance coverage corporate representatives.
- Handle correct data of all communications with the insurance coverage corporate, together with dates, occasions, and particular main points mentioned.
- Supply all vital documentation promptly and in a well-organized way.
- Make certain constant statements throughout all communications and studies.
- Actively concentrate to and ask clarifying questions in regards to the insurance coverage corporate’s necessities.
Tick list for Heading off Not unusual Mistakes
A tick list may also be valuable in making sure a complete and correct coincidence file. This is helping to forestall overlooking a very powerful main points and care for a structured method to the reporting procedure.
| Step | Motion |
|---|---|
| 1 | Accumulate all related knowledge, together with information about the coincidence, events concerned, witnesses, and damages. |
| 2 | Record the scene with images and movies. |
| 3 | Download touch knowledge from all concerned events and witnesses. |
| 4 | Record the coincidence to the insurance coverage corporate throughout the stipulated time frame. |
| 5 | Stay detailed data of all communications with the insurance coverage corporate. |
| 6 | Search explanation on any ambiguities or uncertainties. |
| 7 | Supply correct and constant statements during the method. |
Abstract
In conclusion, well timed and correct reporting of auto injuries to insurance coverage is very important. Adhering to established reporting procedures, accumulating complete documentation, and figuring out regional permutations are a very powerful for a a success claims procedure. This information supplies a structured framework for navigating the complexities of coincidence reporting, enabling drivers to offer protection to their rights and make sure a swift solution. In the end, proactive and told motion minimizes attainable criminal and monetary repercussions.
Most sensible FAQs: How Lengthy To Record Automobile Coincidence To Insurance coverage
What are the prospective penalties of reporting a automobile coincidence past due to insurance coverage?
Behind schedule reporting may end up in declare denial, diminished reimbursement, and even criminal repercussions relying at the jurisdiction and particular instances. Insurance coverage corporations would possibly deem the declare invalid if no longer reported inside of an affordable time frame.
How does the severity of an coincidence have an effect on the reporting time frame?
Minor fender-benders can have much less stringent reporting necessities in comparison to main collisions. In critical injuries, instant reporting is regularly mandated to verify urged investigations and vital help.
What documentation is usually required for reporting a automobile coincidence to insurance coverage?
Documentation typically contains police studies, witness statements, pictures/movies of the coincidence scene, and an in depth account of the incident. Particular necessities would possibly range relying at the insurance coverage supplier and the jurisdiction.
Do I wish to contain the police in each and every automobile coincidence file?
The need of involving the police depends upon the character and severity of the coincidence. Minor injuries would possibly no longer require police involvement, however main collisions or the ones with accidents regularly necessitate a police file.
