Can I file an accident claim if no police report was filed?

Can I file an accident claim if no police report was filed?

I was knocked off my bicycle by a hit and run driver. I went to the ER and got some X-rays taken. All seemed OK except for bruising. A few days later an MRI showed a torn tendon that will require surgery to repair. I called the insurance company the morning after accident. They asked if I had contacted the police. I said no as I was unaware I was even covered as a cyclist under my policy. I stated that I would get a police report if they required. I was not advised to do so but a few days later when contacted by the adjuster, I was told that my claim could be denied. They said that because there was no police report even though I reported directly to the insurer the next morning and also filled out an accident report at the ER stating what happened.Can I likely prevail?

Asked on April 27, 2013 under Personal Injury, Illinois

Answers:

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