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It's important to know your rights and the necessary steps to take after a car accident in Illinois, even if it's minor. To protect your rights, one crucial step is to file a crash report. This applies particularly if the accident caused injury, death, or property damage over $1,500 (for insured drivers).
Do you need a police report to file an insurance claim in Illinois? No, you don't need a police report to file an insurance claim in Illinois. However, having a police report can be very helpful in getting your claim approved and the IDOI makes note that not having it may result in your claim being denied.
For example, in Illinois, personal injury laws give you the right to compensation if your injury was the fault of another person or entity due to their actions or negligence.
Illinois law requires that almost all car accidents be reported to the police. Unless there was no injury and less than $1,500.00 in damage, the police must be contacted. Contacting the police protects you from criminal liability for failure to report an accident and documents important information.
The report must be filed with the Illinois Department of Transportation (DOT) no later than 10 days after the accident. If you don't file a report when required, then you may also face penalties such as fines, jail time, or having your driver's license suspended.
Illinois law requires that almost all car accidents be reported to the police. Unless there was no injury and less than $1,500.00 in damage, the police must be contacted. Contacting the police protects you from criminal liability for failure to report an accident and documents important information.