Do I Need A Police Report To Recover My Deductible Through Subrogation? 
Claims are paid every day without documents like an accident report . Insurance carriers do n't require a court order to make settlement payments either when the details are clear . It just depends upon the circumstances . If the claims involves any form of claim of injury or complaints of pain , the carrier is n't likely to make a payment without knowing all the details including those on a police report . When the facts are clear a deductible reimbursement should n't be any issue absent anything to aggravate the claim . I am witness to companies paying after thoroughly investigating losses when personal injuries have occurred to so details matter . Now , when agreement can be made , when the agreement is reasonable and fair as to terms of settlement and amount , and when there is little dispute to the facts , a police report is not going to change the agreement in which the other party is going to be asked to relinquish any further right to claim for additional compensation . If that ca n't be obtained , or there is serious question about other involved parties , the cautious `` wait-and-see '' attitude prevails and then an effort is made to fully document the file prior to making any payments . 