Do I need a police report to file a claim with insurance if I damaged my own vehicle?
I went mudding in a field on my property and the car spun out of control and hit a tree. Do I need a police report to file a claim with insurance?
You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium. I would get an estimate for the damage and see if it's worth filing a claim for, and possibly pay out-of-pocket to avoid a rate hike.
If you have any questions, feel free to ask.