Is it required either by law or insurance company to file a police report on an accident?

The answer depends on your location and insurance regulations. However, in the United States, the answer is generally no. It is not a legal requirement to file a police report after a car accident. However, some insurance companies may require you to file a police report in order to receive coverage for the damages. So, it's important to check with your insurance company's requirements.

Here are some cases in which filing a police report may be required:

A hit and run accident

An accident resulting in injuries or death

An accident involving a government vehicle or property

An accident involving a commercial vehicle (e.g. a truck)

In these situations, it is crucial to file a police report to ensure that all necessary information is documented for insurance and legal purposes.