DO I NEED A POLICE REPORT IF I GET IN AN ACCIDENT?
While you may not necessarily need one in order to file an insurance claim in Tennessee, it is advisable to get one anyway. After the dust settles, your accident claim will come down to a battle between insurance companies and having as much documentation as possible will strengthen your claim.
According to U.S. News & World Report, there are about 10 million car accidents each year so chances are you will be involved in one at some point. Even if it ends up being a very minor collision that results in no injuries or minimal damage, calling 911 and having an officer come to the scene ensures that there is an accurate record of what happened. Otherwise it may come down to your word against the other driver's when it comes time for your insurance companies to duke it out. A police report represents a fair, third-party account of the incident that should not be biased toward either driver.
In addition, just because you don't feel injured or see any damage to your vehicle at the scene does not mean that symptoms of injury or damage won't occur later. Not all injuries are apparent immediately, and if you begin to experience pain or other problems after the accident, a police report will serve to document the circumstances surrounding your injury.
Similarly, your car may look like it has a few scrapes and dents at the scene of the accident, but then experience mechincal issues after the fact. Having objective evidence to support what happened, such as a police report, can make it easier for your insurance claim to go through. This information is for educational purposes only and should not be considered legal advice.