Last Updated on August 27, 2025 by The Insurance Pros
📄 How to File a Michigan Police Report After a Car Accident
If you’ve been in a car accident in Michigan, filing a police report isn’t just smart; it’s often required by law. This guide explains when and how to file a report, what’s legally required, and why it matters for your insurance claim.
🚨 When Must You File a Police Report in Michigan?
Under Michigan law (MCL 257.622), you are required to file a crash report immediately if the accident involves any of the following:
- Injury or death
- Property damage of $1,000 or more
- A hit-and-run or an uninsured motorist
Please submit the report at the nearest police station or directly to the responding officer. Some jurisdictions allow online reports for minor incidents.
📋 Why the Police Report Matters for Your Insurance
Supports Insurance Claims
- Required for mini-tort claims (up to $3,000) (learn more)
- Helps with uninsured/underinsured motorist claims
- Necessary for broadened collision deductible waivers
Establishes Liability
A police report offers a neutral, third-party account of what happened. This is vital when there’s a dispute about who was at fault.
Required for Injury Claims
If you’re injured and want to file a bodily injury claim against the other driver, insurers typically require a filed report.
Avoids Claim Denials
Your claim can be denied if a report was legally required but not submitted to the proper authority.
🧾 What You’ll Need to File or Request a Michigan Crash Report (UD‑10)
- Date of the accident
- Driver’s license number
- Driver’s date of birth
- Crash number (if known)
- Accident location (cross streets or address)
🌐 How to Order a Michigan Traffic Accident Report Online
Most Michigan crash reports are processed through one of the following portals:
Each report typically costs $10–$15. Credit card or money order payment is accepted.
🚗 At the Scene: What to Do Before You Leave
- Take photos of all vehicles, damage, and the full scene
- Get contact info from witnesses
- Exchange details with all drivers (license, insurance)
- Ask for the officer’s badge number and report number
✅ Final Thought
Filing a police report protects your rights, both legally and financially. Whether your accident was major or minor, always take the extra step to document it properly.
