If someone hit a car in a parking lot and a police report was not filed can the insurance company deny the claim?

If you have Comprehensive coverage on your Auto Insurance Policy then you will be covered. A police report can be made at any time after the accident.

Bare in mind that the most frequent fraudulent auto property claims are usually reported as having taken place in a parking lot with no witnesses while a household driver check reveals unlisted drivers.

Insurance companies have learned that an insured is less likely to file a fraudulent insurance claim if they know that in doing so they will also have to file a fraudulent accident report with the police.

If your insurer denied the claim it may be because they didn't believe you or it may be that your Insurance Policy contract requires the report be made. Many Insurers are now requesting police reports in a loss situation.