是的，因保險條款中已有約定，故於發生事故後，務必報請警方協助進行現場記錄及肇事責任之判定，以作為理賠或追償之依據，並避免日後發生爭議，損害車主權益。

Yes, as stipulated in insurance terms, accidents must be reported to police for scene documentation and liability determination, serving as basis for claims or recovery and preventing future disputes that could harm the owner's interests.