Is It Possible to File a Claim Without a Police Report in Georgia?

May 2, 2025 | J.L. King, II

Accidents and injuries can leave victims reeling, especially when they are unsure about what to do next. For some incidents, the law is clear. For example, Georgia drivers are typically advised to call the police after a car crash. However, not every situation is clear, and police reports can become an afterthought until they’re needed. This can leave individuals wondering if it is possible to file a claim without a police report in Georgia.

Are Police Reports Required for Car Accident Claims in Georgia?

Georgia law does not always require a police report to file a claim, but it does help. Under Georgia Code § 40-6-273, you must report a crash if it results in injury, death, or more than $500 in property damage. If you fail to do so, you could face penalties.

Still, there are situations where a police report may not be available. For example, if both parties agree not to call the police or if officers never arrive at the scene, you might not have one. In these cases, insurance companies and courts will rely more heavily on other forms of evidence to determine fault and damages.

Filing an Insurance Claim Without a Police Report

Insurance companies prefer to see a police report because it provides an unbiased third-party summary of the accident. But a claim is still possible without it, especially if you can supply other types of documentation. You’ll need to act quickly and thoroughly to support your version of events.

Here’s what you should gather if you don’t have a police report:

Photos: Take pictures of the scene, damage, and any injuries
Witness information: Collect names and contact info from anyone who saw the event
Driver exchange: Keep records of the other driver’s license, registration, and insurance details
Medical records: Document any injuries, treatment dates, and expenses
Repair estimates: Get written quotes or bills from auto shops showing the cost of repairs

These items can help build your case, but expect the insurer to scrutinize your claim more carefully. Be prepared to answer detailed questions or provide additional evidence.

Can You File a Lawsuit Without a Police Report?

Yes, you can still pursue legal action. A police report is helpful, but not mandatory. If you were injured and want to sue the other party, your attorney will rely on other forms of evidence to prove the other driver was at fault.

This includes:

Eyewitness testimony
Medical documentation
Photographic or video evidence
Expert testimony

The burden is on the plaintiff to prove negligence. Without a police report, your legal team may need to dig deeper to make a compelling case. Still, many successful claims move forward without one, especially when supported by strong alternative documentation.

When Not Having a Police Report Becomes a Problem

There are some situations where not having a police report can complicate your case:

Disputed liability: If both drivers blame each other and there’s no officer report, it becomes a matter of one person’s word against another’s
Hit-and-run cases: Police documentation is critical for locating the other driver
Serious injuries: In high-stakes cases, the insurer may challenge causation or downplay your injuries without an official report

The absence of a report does not disqualify you from seeking compensation, but it increases the importance of fast, detailed, and consistent documentation.

Time Limits to File a Claim in Georgia

In Georgia, you generally have two years from the date of the accident to file a personal injury lawsuit. It is best to file as early as possible. Claims filed soon after the accident are easier to prove because the evidence is fresh and witnesses are easier to track down.

What to Do if You Didn’t Get a Police Report

It is possible to file a report after the fact in some cases. While it won’t be the same as a report made at the scene, having something on record is better than nothing.

Filing a Claim Without a Police Report in Georgia Is Possible

While having a police report can make the claims process smoother, it’s not a requirement in every case. With the right documentation and legal guidance, you can still pursue the compensation you deserve. If you’ve been in an accident in Georgia and aren’t sure what to do next, consult with an experienced personal injury attorney to protect your rights and build a strong claim.

Contact Our Personal Injury Law Firm at The King Firm Car Accident and Personal Injury Lawyers For Help Today

For more information, please contact The King Firm Car Accident and Personal Injury Lawyers at your nearest location to schedule a free case evaluation today.

We have three convenient locations throughout Georgia:

The King Firm Car Accident and Personal Injury Lawyers – Tifton Office
1603 US Hwy 41, Tifton, GA 31794
(229) 386-1376

The King Firm Car Accident and Personal Injury Lawyers – Griffin Office
3317 Fayetteville Rd, Griffin, GA 30223
(404) 567-4546

The King Firm Car Accident and Personal Injury Lawyers – Macon Office
886 Mulberry St, Macon, GA 31201
(478) 292-7272

Or if you would prefer to reach out to us online, please visit our contact us page.