Most companies do not require you to have a police report to file a claim. Double-check with State Farm to make sure but you shouldn't have any problems. Keep in mind, it will go onto your son's driving record as an at-fault accident for the next five years. If you'd like some more information on the claims process, check out our handy guide: When and How to File an Insurance Claim. Good luck and if you have any other questions, don't hesitate to ask.