Do you need to file a police report on an accident if you decided to settle without insurance?

Although it depends on which state you live in, it is a good idea to report any accident in order to protect yourself from future liability. As stated by a resident of Colorado, the answer is yes you do. In California the rules state that if there is $750 or more in damages and there is any personal injury or death that within 10 days a report must be filed to insure that you do not lose your driver's license.