Re: Got smacked today (CT-passat)
quote:[HR][/HR](also from a legal standpoint the police have a duty to file a damage/accident report when your property is damaged. Many insurance companies require such reports as proof of damages and will not just send out a claims adjuster. To complain about this write a letter to the mayor's office or local paper but more importantly a letter to your state's attorney general. They have an established enforement mechanism to deal with consumer complaints against companies as well as municpalities who arent doing what they are legally obligated to do.)[HR][/HR]
Incorrect, actually. Police don't have a legal obligation to take reports. Some police departments may have rules and regulations that instruct police to take property damage reports, but many don't. In most metropolitan areas, cops don't take reports for property damage like this, and I frankly think they have much better things to be doing. Where I live, the county has a website where you submit a petty theft or non-injury property damage report through a website. No one ever investigates or calls you - you just have a record.
But the insurance co. can't fault you if the local policy is not to bother cops with paperwork that doesn't help catch criminals. If the insurance company asks if you filed a report, you can say you called it in, but your jurisdiction doesn't take reports.