Agreed, if another car is involved I think having a police report is important especially when it comes to legal protection. If it is a solo incident, if I am ok enough to get up, I would leave the police out of it. In Virginia, if you have a solo crash you will be written a ticket whether or not it is your fault.
Not true.
If you have an accident in VA with no one else involved it does NOT mean that you are getting a ticket.
You can be ticketed, but it doesn't mean that you will be.
I do agree that I would leave the cops out whenever possible.
With full coverage insurance, who cares what the insurance company wants. The insurance MUST cover your claim, like it or not, with or without a police report. That's part of paying for full coverage.
None of this means that the cops can't ticket you whenever they want either, even after the fact.