Accident Report vs Police Report: What's the Difference?

After a car accident, two types of reports may be generated: an accident report filed by the drivers involved and a police report filed by the responding officer. Understanding the difference between these reports and how they affect your claim is important.

Police Report

A police report is an official document prepared by the law enforcement officer who responds to the accident scene. It includes the officer's observations, statements from drivers and witnesses, a diagram of the accident scene, any citations issued, and the officer's determination of fault.

The police report is one of the most important pieces of evidence in your claim. Insurance companies rely heavily on police reports when evaluating liability.

Accident Report (Driver's Report)

Some states require drivers to file their own accident report with the DMV, particularly if the accident caused injuries or property damage above a certain threshold. This report is filed by the drivers themselves and contains their account of what happened.

How to Obtain Reports

Police reports can be obtained from the local police department or sheriff's office, usually within a few days of the accident. There is typically a small fee. DMV accident reports can be obtained from your state's Department of Motor Vehicles.

Errors in Reports

If the police report contains errors, you can request a correction or supplement. Your attorney can also present evidence that contradicts inaccurate information in the report.

Conclusion

Both reports are important for your claim. Obtain copies as soon as possible and review them for accuracy.

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