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The police will not automatically send the accident report to your insurance company. Your provider will become aware of your accident only when and if you or any of the drivers involved in the accident report it to file a claim.
No-fault insurance is intended to allow you to start the insurance claim for your car accident right away by filing with your own insurance company. In Michigan, the majority of insurers also require that you have a police report on file to collect no-fault benefits.
If an unlicensed driver causes a crash, they can still certainly be held liable for the incident. The reality is that an unlicensed driver is unlikely to have insurance coverage. Every major insurance carrier requires an individual to carry a valid license in order to be insured.
Can you file an insurance claim without a police report? Yes, it is possible to file either a personal injury claim or a property damage claim after a New York car accident, even without a police report. Nevertheless, it is much more difficult to win your claim without a police report.
Stop Your Vehicle and Assess the Damage When an accident happens, the first thing you should do is stop your vehicle. Check whether you or anyone else in your vehicle has been injured. If you or someone else has suffered a severe injury, call 911 immediately to receive medical attention.