No Insurance or Insurance Scam

[BananaTom]

Originally Posted by MathGeek

If I'm in an accident where no one is injured, I'd prefer to simply exchange insurance info and be on my way, with a plan to report the event to my insurance company later that day. If my insurance company wants me to file a police report, I can do that without calling police to the scene. A few quick photos of the vehicles will be more important to my insurance company than a police report in the event of claims for exaggerated damage.

Have you actually tried that yet??

I had a minor crash, in a parking lot, other driver fault, police would not respond, private property. I drove to the station and got one. My insurance paid, and I was out my $1000 deductible. I called them, and they said "No Police Report, No Subrogation" I said I have a police report, sent it to them, they subrogated, I got my $1000 back.