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do car insurance companies require police report before processing a car excident claim??

recently, i had a very minor fender bender by backing out a parking space and hitting a car behind me the damages was not excessive, my car was not damages at all not even a nick are scratch on it but the other person car had some light scratches and slight indentation at that area, i ask her as we got out i am callin police to come write up a police report, she begged me not to, so she ask for my name and phone number only nothing else i felt so weird about that because from my experience u need a police report to even file a claim to ur insurance, but any way my question was can u have ur car insurance company fix ur car without formal police report? and this person have not contacted me since the car excident.. what now? its been a month..

Public Comments

1. In Louisiana, it is required. You must have a particular form as part of the claim if it involves your vehicle moving, or your vehicle standing still but being hit by a moving vehicle. Also if there is an act of vandalism. I think there are a few exceptions. Most insurers want to affix blame because the person at fault will probably face much higher insurance - and possibly a lawsuit. Some states have a "no-fault" insurance law that allows for relaxing the requirement, but insurers usually don't like that.
2. I don't think you can BUT the fact she has your insurance info and there was no report made she could if she wasn't an honest person mess up her car have a simple note written by a friend call the police and claim you hit her and left without talking to her but left you a note. the police could write it has a hit and run and not only can she sue your insurance company but you could face charges for something you didn't due.. Never leave your insurance info for someone. Always call the police in a traffic accident even if you're sure there was no damage. it's better to be safe then sued.
3. If she has not contacted your insurance company, the accident never happened. It will cost much less in the long run to just pay cash to get your car fixed and leave the insurance out of this. I would suspect that for what ever reason, she does not want documentation, that she was there at that place and time. God knows why. The accident never happened. It was a lucky break, have a nice day.
4. you don't have to have a police report for your insurance to fix your car, it COULD be covered under your comprehensive coverage instead of your collision coverage. if the other person tries to have your insurance pay to fix their car then your insurance will require a police report or possibly your authorization. do you have un-insured motorist coverage? if you do you may be able to have your car fixed under it and your insurance will go after the other motorist. if they did not want a police report it may be because they were driving un-insured, which in many states makes the accident their fault. contact your insurance company and have them handle the details for you that is why you pay them. only your insurance company can tell you for sure what you need and how it is covered.
5. As an attorney, I see this all the time. The other person probably does not have insurance, had a warrant or some reason to fear police intervention. You have to report the accident to your insurance company, even if you think she won't. Its a common condition of insurance and a duty. That being said, the other person will likely not contact you after a month has passed. Remember, you have to report this to your insurance company.
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7. if it is over $1000 you need to report it to the cops I've had good results here... http://insurance.123thebest.info/ Good Luck.