Can you file an accident report online?

Some insurance companies will let you start a claim online but only because they aren't staffed 24 hrs, they will still call you and will want a police report number and your version of what happened. Sometimes even the police don't come out for traffic depending on state and damages but still have to get no for insurance, you will be assigned a rep to work with you to get car taken care of. There may be a deductible; if your car can be driven they will want at least 3 estimates most likely and since the police are slow more may come after about a week. They will determine fault if that applies to your state. There could also be injury claim from the other party etc. which is only a problem if you are At Fault in applicable state etc, your driving record/rates could be affected