A first-party claim is when you make a claim for your own loss under your own policy, like using your collision coverage to fix your car. In liability, we deal with third-party claims. Here, you are the “first party,“ your insurer is the “second party,“ and the person making the claim against you is the “third party.“ Your insurance handles the third party’s claim for damages they allege you caused. The insurer pays them directly if you are found liable, protecting your personal finances.

A police report is a crucial, neutral document that records the officer’s observations, witness accounts, and often a preliminary opinion on fault. A citation (ticket) issued at the scene is strong evidence of a traffic law violation, which heavily implies negligence. However, a citation is not a final legal determination. The other driver’s insurance company can still dispute fault. Always obtain a copy of the police report, as it is a foundational piece of evidence for your insurance claim or any legal case.

First, get the police department’s name, the report number, and the date of the incident from the officer at the scene. After a few days, contact the department’s records division. There is often a small fee and a request form to complete. You may need to pick it up in person or receive it by mail. Provide this copy to your insurance company immediately, and keep the original for your own records and any potential legal proceedings.