Massachusetts law does not require police presence at every fender-bender, but it does impose clear responsibilities on drivers. Under Massachusetts General Laws, Chapter 90, Section 26, if a car accident causes injury, death or property damage over $1,000, drivers must file a Motor Vehicle Crash Operator Report. This report must go to the Registry of Motor Vehicles, the local police department and your insurance provider within five days of the crash. Ignoring this duty can result in fines or even a suspended license. But, having a cop out after a car accident is more than just complying with Section 26.
Why you should stay put
Even if the damage seems minimal, do not leave the scene too quickly. State law requires all drivers involved to stop and exchange information. If anyone is injured or unconscious, you are expected to offer reasonable assistance, such as calling emergency services. Leaving the scene without fulfilling these obligations can lead to misdemeanor or felony charges, depending on the severity of the accident.
Why a police report can help
While calling the police is not always required, doing so has major benefits. A police report offers, potentially, unbiased documentation. Officers collect objective details that can clarify conflicting accounts. It can also support insurance claims. Insurers often ask for a report before approving or denying coverage.
The police report can also offer some legal protection. The report can serve as evidence if you end up in court. This includes fault clarification. While not legally binding, insurers often give weight to an officer’s judgment. And, it creates a permanent record that is harder to dispute later on.
The bottom line
In Massachusetts, reporting rules are strict and following them can save you a headache. Even when it is not required, getting a police report can protect you financially and legally, especially in places like Worcester, where weather and traffic conditions can complicate even simple accidents.
