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What do I do if I need my car and I’m having trouble getting a police report?

Asked by user in California.

I was driving southbound on the freeway and a car accident caused car debris to fly under my car. This caused damage to my front bumper and popped my two front tires. I’m still trying to get a police report but it isn’t ready yet since I wasn’t able to exchange information with other parties. I had to get the car towed. Will I ruin my chances of getting covered if I attempt to replace the tires myself just so I can have a car meanwhile?

Answered by Enjuris Editors:

I would consider reaching out to your own insurance company. Your insurance company can pay your claim and then seek reimbursement (otherwise known as “subrogation”) from the at-fault party’s insurance provider. What’s more, some auto insurance policies include “rental reimbursement” coverage, which would allow you to rent a car while your vehicle is being fixed.

I would be reluctant to replace your tires before speaking with your insurance company. If you absolutely must do so, be sure to save the towing receipt and take several time-stamped photographs so you can support your claim for damages.

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