Yes, it is advisable to contact your insurance company even after a minor hit-and-run incident if you have already filed a police report. Notifying your insurer allows them to begin the claims process, should you decide to file one, and helps them keep records of the incident in case you experience any related issues later on. Moreover, many insurance policies require you to report accidents promptly as part of their terms and conditions, regardless of whether you intend to file a claim immediately. Doing so ensures you remain in compliance with your policy and prevents any potential hindrances if you need to pursue a claim in the future or if the other party’s information becomes available. Additionally, your insurer can offer guidance on coverage options, potential impacts on premiums, and next steps you may need to take to protect your interests.
Is it necessary to contact my insurance company after a minor hit-and-run incident if I already have a police report?
