Many people ask me if I should get a police report when I am in an auto accident in Florida.  My answer is usually "yes" to that issue.  Most insurance companies will look and/or use the police report as part of the decision making process in determining who is at fault for the accident.  The police report is written by an independent third party and usually states the facts after speaking to both of the parties involved in the accident.  If you do not have a police report, then it becomes a "he said, she said" situation and the facts can get misconstrued. Additionally, there is a lot of vital information on the police report that helps all parties when it comes to getting the other person's insurance information, address, telephone number, etc.