Insurers preparing for Metro's accident response policy change - FOX5 Vegas - KVVU

Insurers preparing for Metro's accident response policy change

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LAS VEGAS (FOX5) -

Auto insurance providers typically tell customers to call police in the event of an accident, regardless of severity.

However, with the Las Vegas Metropolitan Police Department changing its policy regarding response to non-injury accidents, insurance companies will be making big changes as well.

Determining who's at fault in an accident may fall to insurance adjusters.

"It's a little bit challenging for the insurance companies to gather all the necessary information when an accident does occur," said State Farm insurance agent Chris Lopez.

Lopez said that insurance companies typically count on police to determine who's at fault in an accident. With Las Vegas Police no longer responding to fender benders, part of that responsibility will fall on drivers.

"We are concerned because there are situations where not everybody tells the truth, or sometimes they are in a little shock – they are unaware and maybe some things are not completely accurate," Lopez said.

Lopez said drivers will need to be thorough when collecting information at accident scenes as it is unlikely claims investigators will respond to minor accidents.

Rather than calling 911 from an accident scene, it will be vital you call your insurance provider immediately.

"We will want to help them in getting information that would have been taken from the police officer, like, ‘Are we sure there's no injuries? Where exactly were you? Were there any witnesses? Where did the damage on your vehicle occur? Do the other people have insurance?'" Lopez said.

Lopez said Metro's policy change could end up costing drivers.

"Is there the possibility that maybe insurance companies will get into some more battles with one another about who's at fault, which could raise some costs? Possibly," he said.

Metro Capt. Mark Tavarez on Monday said officers simply don't have the time to handle non-injury accidents.

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