Do I need a police report to file an uninsured motorist claim?

I filed a claim with my insurance company after I got up one morning and noticed my car was damaged. I called and reported it I told them I didn’t know what happened. I had full coverage and uninsured motorists with a deductible of $200. However, they filled it under my collision and charged me a $1,000 deductible, saying that I didn’t have a police report. They never said I needed one in the first place. What do I need to do?

May 26, 2020 Memphis, TN

Ross Martin

May 26, 2020

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know would be if it would be possible to still get a police report and redo the claim. If they make you pay the higher deductible at the end of this, make sure they mark the claim not at fault so you don't get charged for being in an accident. 

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