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Yes, you can file an insurance claim without a police report. However, having one can speed up the process and help you prove the validity of the account of the accident. Filing a police report is beneficial to ensure you're protected should a situation arise.

Tennessee Car Accident Reporting Laws Technically, Tennessee law doesn't require you to report all accidents. However, the state created such a low property damage threshold that virtually all accidents will need some form of reporting.

Failure to report a car accident to the police could lead to fines of up to $500, and the other driver may have the upper hand in a lawsuit. Your insurance company can also deny you a claim, so make sure to report it as soon as possible. It's the law, and it could save you a lot of hassle and money down the road.

There are statutes of limitations, or time limits, for reporting car accidents in Tennessee. For most accidents, you have up to one year from the date of the accident to file a report. If someone was injured or killed in the accident, you have up to three years. Hit-and-run accidents have a time limit of 20 days.

In Tennessee, you are not required to report car accidents that do not result in injuries or cause only very minor property damage. However, you are required to report accidents that result in death, personal injury or property damage exceeding $400.

Tennessee: By visiting .PurchaseTNCrash.gov, you can receive a copy of your report online. Crash reports are typically available within seven business days. There is a $10 fee required to obtain your report when you go through the site directly.