I've had my car damaged during night on a parking lot by some other vehicle. Is it obligatory to call the police in order to get the insurance coverage? Or can I just claim insurance without the police report?
On my policies I have to. Just go to the police station and they will give you an incident form. It takes five minutes.
Usually easier to do it in case because if you need it after its a bit late. Also the police should be aware in case it's a common occurrence there.
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