Under what conditions should a driver in Ohio file a Crash Report?

• If the damage was less than $400
• If the damage was over $400 or there was personal injury, and the other driver did not have insurance
  Explanation:

  "If you're a driver involved in a motor vehicle crash in Ohio, you can file a Crash Report with the Ohio Bureau of Motor Vehicles within six months of the incident. This applies if the crash resulted in over $400 in damage or caused personal injury, and if the other driver or vehicle owner lacked insurance or financial responsibility coverage at the time of the crash."
• If both drivers had insurance
• If the crash occurred outside Ohio