In Illinois, you are not required to file a police report for a minor accident if the damages are less than $1,500. However, some insurance companies may still require a police report, even for minor accidents. It is best to check with your insurance company to see what their requirements are.
What information should I exchange with the other driver?
When you are involved in a minor accident, you should exchange the following information with the other driver:
* Name
* Address
* Phone number
* Insurance company
* Policy number
How do I file an insurance claim?
To file an insurance claim, you will need to contact your insurance company and provide them with the following information:
* The date, time, and location of the accident
* The names and contact information of the other drivers involved
* The make, model, and year of your car
* The damage to your car
* The estimated cost of repairs
Your insurance company will then assign you a claims adjuster who will help you through the process of getting your car repaired and your medical bills paid.
What if the other driver does not have insurance?
If the other driver does not have insurance, you may be able to file a claim with your own insurance company under your uninsured motorist coverage. Uninsured motorist coverage is optional in Illinois, but it is highly recommended. If you do not have uninsured motorist coverage, you may be held responsible for the damages to your car and your medical bills.
