When are accident reports required?

Accident reports are required when a law enforcement officer hasn't investigated the crash, as this ensures that there is a formal record of the incident for insurance purposes and legal documentation. If a law enforcement officer is present at the scene, they typically create an official report that details the circumstances of the accident, which can then be used for various purposes such as claims and liability assessments.

In scenarios where there isn't an investigation by law enforcement, it becomes necessary for the involved parties to file a report to document the incident. This allows for a clearer understanding of what occurred and helps facilitate communication between insurance companies, as well as addressing any potential disputes that could arise from the accident.

Considering the other options, requiring a report only in cases of injury or when multiple vehicles are involved may overlook incidents where property damage alone necessitates documentation for accountability and transparency among parties involved in the accident. Similarly, stating that reports are required at all times, regardless of damage, could lead to an unnecessary burden on drivers in non-injury accidents, where official documentation by law enforcement would typically suffice.