I'm a retired field Lt. from Wichita PD. Minor (generally less than $1000 damage and NO injury or drunk involved) wrecks are written up strictly as a courtesy to insurance companies. "Accidents" that are on private property are not written up at all unless there is injury or a drunk.
The idea that an officer's statement of what/how it happened is important is a common misunderstanding. Unless the officer saw it happen he/she can only write down what he is told by the people involved. Few officers are certified to reconstruct an accident so officers are merely recorders.
Insurance companies will draw their own conclusions and as a rule they don't care what a police report says. They do like to have an officer at the scene so as to have some assurance that there was not a drunk involved.
Exceptions to this are wrecks worked by a professional traffic agency such as the Kansas Highway Patrol. They are trained to be traffic experts and their investigations are golden. However, they will not put much in the way of resources into a non-injury with no drunk and minor damage.
Many of us have maintained for years that traffic is really a civil problem and as such there is no good reason to expend police resources on traffic at all, but we always lost that argument.
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