Honestly, I get why you’d want a police report, but I’ve had luck just going straight to my insurance with pics and details. They processed it pretty quick—maybe depends on the company? I just hate waiting around for cops when I’m already late for work.
I get the frustration with waiting around, especially if you’re running late, but I’ve always been a bit wary of skipping the police report. Like, what if the other driver tries to deny it later or there’s some weird insurance loophole?
Totally get that, but is saving time worth the risk if things get complicated down the line? Has anyone actually had their claim denied because they didn’t have a report, or is that just one of those urban legends?I just hate waiting around for cops when I’m already late for work.
- I’ve actually had a claim get messy because there wasn’t a report.
- Other driver changed their story and my insurance dragged it out for months.
- Waiting sucks, but honestly, the hassle later was way worse than being late that one day.
- At least with a report, there’s no arguing about what happened.
I get the whole “get a report” thing, but honestly, last time I called the cops for a fender bender, I waited almost two hours with my kids melting down in the backseat. Is it really always worth it? Sometimes I wonder if the hassle up front is just trading one headache for another...
I hear you, waiting around for a report can be brutal, especially with kids in tow. But honestly, I’ve had insurance refuse to cover stuff without that police report. Sometimes the hassle upfront saves a bigger headache later... depends on your luck, I guess.
