- Totally get where you’re coming from.
- Insurance folks seem obsessed with paperwork—if there’s even a whiff of someone else being involved, they want that police report.
- I once tried to skip the report for a busted mirror (thought I’d save everyone some hassle), but nope, claim denied.
- Dashcams are great, but unless you catch the license plate, it’s still a headache.
- Honestly, feels like you need to be part detective just to get your own car fixed...
- Some states are chill, others act like you’re reporting a bank robbery.
- In the end, I just call the cops now, even if it feels silly. Easier than arguing with insurance later.
- It’s wild how much red tape there is, right?
- I’ve had my S-Class keyed before and thought, “No big deal, insurance will handle it.” Nope—no police report, no payout.
- Even if it feels like overkill, calling the cops just covers you.
- Dashcams help, but yeah, if you can’t read the plate or see a face, insurers still want that official doc.
- Feels like a hassle in the moment, but honestly, it saves so much arguing later.
- You’re not alone—everyone I know with a nice car has been through this circus at least once...
Feels like a hassle in the moment, but honestly, it saves so much arguing later.
Totally get this. I once thought skipping the police report would save me time—ended up spending weeks going back and forth with insurance instead. It’s annoying, but that paperwork really does save headaches down the line.
Honestly, I used to think calling the cops for a fender bender was overkill, but after my last run-in with insurance... never again. The paperwork’s a pain, sure, but it’s nothing compared to the back-and-forth when you don’t have that report. Still, I always wonder if it’s really necessary for every little scrape. Feels like overkill sometimes, but I guess better safe than sorry, right?
I totally get the hesitation. Is it really worth calling for every tiny scratch? But then again, I’ve heard some insurance companies won’t even look at your claim without a police report. Does it matter if nobody was around when it happened? Or like, what if you just find a note—does that change anything? Honestly, I’m half convinced the paperwork is designed to make us give up...
