How to File a Police Report After a Car Accident in Michigan
If you’ve been in a car accident in Michigan, filing a police report isn’t just a good idea; it’s often required by law. This guide explains when to report an accident, how to do it, and why it matters for your insurance claim, regardless of the damage’s severity.
🚨 When Do You Legally Need to File a Police Report in Michigan?
Under Michigan law, you must file a police report immediately if the accident involves:
- Injury or death
- Property damage of $1,000 or more
- A hit-and-run or uninsured driver
You must report the accident at the nearest police station or to the closest available officer.
📋 Why Filing a Michigan Police Report Is So Important
1. Supports Insurance Claims
- You can file mini-tort claims (up to $3,000). Most insurance companies require a police report to determine fault when paying out a Michigan mini-tort claim.
- Uninsured/Underinsured Motorist Coverage
- Broadened Collision deductible waivers
2. Establishes Liability
A police report records information that could potentially be subject to dispute. It serves as an official third-party account of the incident.
3. Required for Injury Claims
To file a bodily injury claim against the at-fault driver, insurers typically require the accident to be officially documented.
4. Avoids Claim Denials
Failure to submit a police report when requested by your insurer can lead to a denied claim.
🧾 What You’ll Need to File or Request a Police Report
- Date of the accident
- Driver’s license number
- Driver’s date of birth
- Crash number
- Location of the accident (cross streets or address)
🌐 How to Order a Michigan Traffic Accident Report Online
Options include
- Traffic Crash Purchasing System (TCPS) Official state site
- CLEMIS for metro Detroit departments
- LexisNexis For Detroit reports
Each report typically costs $10, payable by credit card or money order.
🚗 Additional Tips: What to Do at the Scene
- Take photos of vehicles and the scene
- Get witness names and contact info
- Exchange driver and insurance information
- Request the officer’s badge number
✅ Final Thoughts
Filing a police report after a Michigan car accident isn’t just smart; it’s essential for protecting your legal and financial interests. Whether you’re addressing vehicle damage or an injury claim, please ensure you complete this step.