What to Do About Police Reports After a Car Accident

When you're involved in a motor vehicle collision, one of your first priorities should be to file an accident report. Whether serious or minor, reporting the crash is not just about legal compliance - it can significantly impact your ability to obtain insurance coverage and pursue compensation if you need to.

Why It Matters to File a Police Report

Filing a police report establishes an official record of the accident shortly after it happens. This can be vital if someone later changes their story or minimizes the incident. In Colorado, police-maintained records can be retained for up to seven years, providing documented continuity over lengthy legal or insurance processes.

A police report - while not always admissible in court - provides valuable documentation. It includes accident details, witness statements, and officer observations, all of which can be used to support insurance claims or civil lawsuits. Having this document on hand strengthens your position if things escalate.

When and How to Report an Accident in Colorado

Colorado law (CRS 42-4-1606) requires drivers to report any crash that results in injury, death, or property damage, even if it appears minor. Failing to file a report can result in misdemeanor charges.

Here's how to make a proper report:

1. Call 911 for emergencies

If there's any injury, vehicle damage, or hazard (like leaking fuel), dial 911. Emergency services and police will respond and document the accident, and create an official police report.

2. Use the non-emergency police line

For minor collisions with no injuries, contact your local non-emergency line. For example, Denver PD's number is (720) 913-2000.

3. Self-report online or by mail

If police don't arrive, you can file a self-report online or via mail - with limitations. Only minor incidents qualify: no injuries, no DUI suspicion, no hit-and-run, and no damage to public property. The online form documents your version but lacks officer verification.

4. Submit a mailed form

If preferred, you can mail a printed accident report, which becomes part of the official record after being accepted by the Colorado DMV.

When Self-Reporting Isn't Enough

Self-reports lack the credibility of officer-generated reports. Insurance companies tend to give more weight to those prepared by trained professionals. If your crash meets the state's threshold for reporting but only a self-report was filed, the other driver or party may dispute your version later. Seeking an official police report helps avoid these disputes.

Must You Report Every Collision?

Legally, yes. Colorado requires reporting for any accident resulting in injury, significant damage, or public impact. It's better to err on the side of caution: even small fender benders could lead to delayed injuries or vehicle damage unnoticed at first. Filing ensures you're covered if things change later.

Steps to Take After an Accident

Whether you're drafting a police or self-report, a few essential actions can streamline the process and fortify your case:

1. Establish safety

Move everyone to safety if possible. Call 911 if anyone is injured. Show concern - especially if injuries or severe vehicle damage are present.

2. Exchange information

Obtain names, addresses, license plates, insurance details, and contact info from all drivers. Record the make, model, and color of each vehicle.

3. Gather evidence

Photograph all vehicles, the crash scene, injuries, and surroundings. Note environmental conditions and traffic signals - these images help reconstruct the event later.

4. Collect witness info

If bystanders saw the incident, record their contact details - they may be needed during insurance or legal proceedings.

5. Request the police report or crash number

If law enforcement responds, ask for the officer's name, badge number, and crash report number to access the later-filed report.

6. See a medical professional

Seek immediate medical attention - even if you feel fine. Some injuries, like whiplash, may surface days later. Early diagnosis is crucial for both health and claims.

7. Notify your insurer

Inform your insurance company promptly. Delays could weaken your coverage or affect compensation.

8. Document everything

Write down details of the accident while memories are fresh. Log medical visits, repair appointments, lost wages, and any emotional or physical impairments.

What If Police Don't Show Up?

Even without police involvement, state law mandates filing an accident report if the crash meets legal criteria. Self-reporting via online or mail form is acceptable, but obtaining a police report later can still bolster your position with insurers and legal advocates.

How Injury Compensation Can Support You

At Injury Compensation, we guide clients through every part of the reporting process:

- Ensuring compliance with Colorado's reporting laws
- Accessing official accident documents from law enforcement and the DMV
- Gathering evidence, including police interviews, body cam footage, and public records
- Preserving all documentation so no details are overlooked
- Coordinating medical and psychological evaluations and connecting clients with community aid and ADA protections if injuries result in disability

Our system ensures your rights are safeguarded - even during recovery and beyond - so you're supported every step of the way.

Why Filing Reports Matters for Claims

An accident report serves as critical proof of what occurred, helping establish timelines, responsibilities, and context. Even minor damage can escalate in later inspections or health evaluations. A crash report keeps the facts grounded and recorded from the outset.

When filing insurance claims, having a police report shows you took the right steps - and if litigation becomes necessary, your document trail will be invaluable. It ensures insurers and courts see your narrative as consistent and credible.

Handling Fender Benders and Minor Crashes

Although you might consider skipping the hassle over a small collision, Colorado law generally requires official or self-reporting for all accidents - even low-speed incidents. Small crashes can result in unseen damage or latent injuries. When police won't and don't attend, file online or by mail, and get a copy of that report for your records.

How Injury Compensation Advocates for You

With decades of experience supporting auto accident clients, our team stands ready to assist. We provide:

- Free, confidential case reviews
- Arguing on your behalf with insurers or at-fault parties
- Comprehensive evidence collection, including crash reports and medical records
- Representation in negotiations or court, ensuring you receive full compensation
- Remote support, if attending in-person meetings is not feasible

Our success in recovering millions for clients means you get a robust advocate in your corner. Don't leave your case to chance - contact us today to safeguard your rights and get the justice you deserve.

Bottom Line

Reporting any car accident - no matter how minor - is both a legal obligation in Colorado and a critical first step in protecting your rights. Whether law enforcement attends or not, make sure you file a crash report, gather evidence, and seek professional advice. Doing so preserves your case and positions you for the compensation and support you deserve.