What Happens If You Do Not File a Report to the Police After a Car Accident in New Jersey?

No one is ever prepared to be involved in a car accident—both physically and mentally. It’s always a stressful experience. In the chaos, it’s easy to overlook important steps like filing a police report. 

You might assume that if no one was seriously hurt, there’s no need to report the accident. However, failing to file a police report is a serious mistake after a car accident. It could affect your insurance claim, your ability to recover damages, and even your legal rights.

At Rosengard Law Group, we understand how confusing this situation can be. Many of our clients come to us not knowing what to do after an accident, especially if they skipped filing a report. In this guide, we’ll walk you through when and how to file a police report, why it matters, and what to do if you fail to do so for whatever reason. 

When Are You Required to File a Police Report in New Jersey?

New Jersey Revised Statutes § 39:4-130 requires you to report an accident to the police if it involves (a) injury or death and/or (b) property damage exceeding $500. If the police respond to the scene, they will typically file the report for you. However, if they don’t, you must file one yourself within 10 days of the accident.

Even for minor accidents, it’s generally a good idea to file a report. It creates an official record of what happened, which can protect you later if disputes arise. Also, please keep in mind that car accident reports are public records in New Jersey. 

How to File a Police Report in New Jersey

If you have no idea how to file a police report after a car accident, there’s no reason to panic. Filing the report is a rather straightforward process. If you report the accident and law enforcement officers arrive at the scene, provide them with accurate details. They will usually complete the report for you. 

However, if no officer is present, you should visit the local police department where the accident occurred. Bring information like the time, date, location, driver’s license, insurance details, and photos of the scene if available.

New Jersey also allows for online reporting through local police websites. This is possible by completing the New Jersey Self-Reporting Crash (SR-1) form and submitting it to the state’s Department of Transportation. 

Regardless of how you file a police report, keep a copy of the report for your records. This document will be essential for insurance claims and potential legal cases.

What Are the Consequences of Failing to File a Police Report?

Not filing a report could lead to legal and financial challenges. Here’s what you could face:

• Fine: You might be fined for violating state laws requiring a report for accidents with injuries or significant property damage. The amount of the fine may range from $30 to $100. 
• Suspension of driver’s license: You could also face having your driver’s license suspended. 
• Loss of legal evidence: Without an official record, it’s harder to prove fault or establish what happened if disputes arise later.

Skipping this step can make your case more difficult, especially if the other driver tries to shift blame.

Impact on Insurance Claims and Liability

Insurance companies rely heavily on police reports to assess fault and process claims. If there’s no report, your insurer might question your version of events or the other driver’s insurance company could deny liability. In addition, you could face delays or denials when seeking compensation for medical bills, vehicle damage, or other losses. Without a report, it’s your word against the other drivers, which can lead to disputes that are tough to resolve.

What to Do If You Missed Filing the Report After an Accident

If you didn’t file a report within 10 days, do the following:

1. File late: Contact the police department where the accident happened and explain the situation. While you may face penalties, it’s better than having no record at all.
2. Document everything: Gather photos, medical records, witness statements, and any communication with the other driver. These can help support your version of events.
3. Contact an attorney: A Cherry Hill car accident lawyer can help you navigate the process, address legal challenges, and build a strong case if disputes arise (even if there’s no police report). 

Don’t let a missed report derail your path to justice—reach out to Rosengard Law Group to get the support you need. 

Questions About a Police Report? Let’s Talk Now

Filing a police report after a car accident in New Jersey isn’t just a formality—it’s a legal requirement and a vital step in protecting your rights. If you’ve missed this step, all is not lost. Contact Rosengard Law Group today. We’ll guide you through your options, help you recover damages, and ensure your legal rights are preserved even if you file late or don’t file at all. Contact us via our website or call us at (856) 284-6446 to schedule a free case evaluation.