I gave my drivers license and insurance information to the lady at, Disputing a Claim for a Minor Fender Bender, Recently I was in a minor fender bender.
, assuming you carry these coverage types. Editorial Integrity - Why you should trust us? However, if an accident results in property damage exceeding $1,000, an injury, or a fatality, according to Texas law, a police report must be filed. SafetyFirst: Unless youre already in a relatively safe place, like a parking lot, move your car to the side of the road. Also, keep all records of visits to medical providers, including doctors and physical therapists. For more information, please see our How Long do Points Stay on a Florida Driver's License? If no one was injured, you might be tempted to leave the police and insurance companies out of it. These raise your risk in the eyes of an insurance company because they show you dont obey traffic laws designed to prevent crashes. Be aware that there are strict time limits on filing a car accident lawsuit which vary depending on which state youre in, so be sure to contact an attorney as soon as possible. Some states regulate this look-back period, however, making it longer or shorter. You might be worried your insurance rates will go up. Please note: The above is meant as general information to help you understand the different aspects of insurance. Yes, you need a police report for a fender bender if anyone is injured or if the cost of the property damage exceeds a certain amount, as determined by your state.
Copyright 2023 MH Sub I, LLC dba Nolo Self-help services may not be permitted in all states. Perhaps she didnt realize there was any damage to her car until afterwards, or perhaps someone at her home recommended that she call the police. When you file an accident claim with the other drivers insurance provider, youll be given a claim number. We support students, families, caregivers and communities with resources, personal stories and a national directory of injury lawyers. No matter who was at fault, your insurer can work with the other insurance company to sort out the details and make sure there's no delay in processing claims that are filed. What Is Considered a Minor Car Accident? Nothing significant at all. Should I bug my insurance company if I have termites? You are not required to file an insurance claim after an accident, but should file a police report. Obviously, if there had really been a 62-percent drop in crashes on Staten Island, authorities would be taking a well-deserved bow. There was virtually no damage to either car. In many instances, calling the police is the best course of . In fact, the police cant and wont come to the scene of every accident. Many states require you to report any accident that involves an injury. Insurance companies are only interested in their profit, not your pain and suffering. Please use the button below to see how else we can help. Stop and put on your hazard lights. the property damage meets a certain monetary threshold, which varies by state; or, the police were called to the accident scene and issued you a citation for driving without a license or insurance. Note that you can still file a car insurance claim even if you don't file a police report. report a claim
Enjuris is a platform dedicated to helping people who are dealing with life-altering accidents and injuries. There are reasons you may want to delay filing a claim, though. console.log("fxiedd"); All Rights Reserved. After promptly reporting, youll have some time to file the official claim. How long does a DWI or DWAI stay on your record in New York? *Carinsurance.com is not affiliated with any state or government agency. for filing a claim in court, and deadlines can be different for personal injury and property damage claims. I dont think I did it cause she as parked out there on the street all day. Note that you can still file a car insurance claim even if you don't file a police report. You may have almost forgotten about the incident by then, especially if it was really a minor accident. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. We know that you may be stressed or worried. So, your attempt to avoid a possible increase in your insurance premiums may result in even greater monetary losses down the road. You may also be getting treatments on a doctors schedule or want to seek a second medical opinion. Your insurer will collect a lot of information about the accident, including witness statements, police reports, photos of damage, medical and auto repair bills, and more. My vehicle cost a little over $3000 to get fixed. Please answer a few more questions and then click "Go to Last
Backing away doesnt make you a wimp, it means youre in control. if(jQuery("#masthead").css("position") === "fixed"){ There is a two-year statute of limitations on a lawsuit resulting from a car crash, meaning that you the other driver can wait until the end of the two-year mark before filing. On the other hand, if the other driver aggressively comes after you, stay in your car with the windows rolled up, grab your smartphone and start recording a video of the drivers outburst. The date and time the car accident . Fender-benders are the most common car accidents, usually involving vehicle damages and no reported injuries. Once the blemishes on your record are older than the look-back period, however, they are no longer a factor in setting your rates. Please fill out the form or call (800) 734-4134 now, SEO Advantage, Inc. SEOLegal Division,Lawyer Marketing Our mission is to help you make educated insurance decisions with confidence. the amount you'd recover for your vehicle damage is less than or around as much as your deductible you'd need to pay as part of the claim process. The most pressing concern is whether or not you should call the police. According to Insurance.com, minor fender benders are surcharged the same amount, whether the damage amounts to $200 or $2000. You might have heard of the reports referred to as C.L.U.E. The only time it probably doesn't make sense to file an insurance claim for vehicle damage after an accident is when: In some instances your own insurance company might turn around and recover money from the other driver's insurer (if the other driver is at fault for the accident), and they might also recover your deductible for you. Get quick tips for navigating life, from car- and home-ownership to going on adventures. You're almost always required to report any traffic accident to your car insurance company, whether or not you make a claim under your coverage. For minor fender bender, usually parties exchange insurance information. In most states, minor traffic violations can be seen on your record for only three years. If you are not at fault and are suspicios that other party may lie, call other party's insurance on the spot and get them to state that what you reported istrue. The driver of the car. Yes, you can file an insurance claim with no police report after a car accident. Thank you very much for a very important topic. Denver gang member gave 14-year-old permission to open fire on woman with AR-15 after fender-bender, DA alleges Neshan Johnson, 20, is on trial for murder over his alleged role in 2021 shooting of . Take photos of the note left by the other driver, if there was one. In order to pursue the action against you, the other driver will bring evidence to prove you were at fault during the accident. If youve suffered hard injuries like complicated whiplash, nerve damage, or head injuries in a low-impact collision, youll need an experienced personal injury attorney to get fair compensation. The insurance company may also send an adjuster to the scene of the accident or to inspect damaged property in person. In general, it's also a good idea to call the police so there's an official record of the incident. If youre using a camera thats not part of a smartphone, turn the time/date stamp feature on, if available. The other driver may simply be dishonest and use this opportunity to get car repairs that were needed before your encounter. If you're in a minor car accident where no one is hurt and there's little damage to anyone's car, it may be tempting to drive away and go on with your day. Otherwise, youll file an injury claim against the at-fault drivers insurance company. Insurance companies count serious violations and at-fault accidents heavily in setting premiums. Leaving the scene is considered a hit and run accident, which is punishable as a crime. Dont make excuses for what happened, like I didnt see you. Apologizing or making excuses can be used as admissions against interestto help prove you are at fault for the crash. It is NOT formal legal advice. My wife was in a car accident. The other insurance company will contact your insurance company with the claim if you left your information as required. Not all car accidents require hiring an attorney and filing a lawsuit. Whether you decide to file a police report or not, its always in your best interest to report a car accident involving another driver to your insurance company. Advertised example rates are returned based on the driver's self-reported data and the driver meeting certain criteria. Make sure you're prepared for anything with a vehicle safety kit in your car, your vehicle registration, and a list of . It's important to contact your insurer if you're in an accident with another vehicle, even if the accident is minor. There are a number of reason she may have done this. You may want to find a personal injury lawyer near you in situations where you are seeking recovery from an at-fault driver or an uninsured driver, or if you need to defend yourself in a partys lawsuit against you. Its important to report the accident to local police. Both types of coverage typically have a. , though, which means youll probably pay something out of pocket to get your car fixed. Start here to find personal injury lawyers near you. Then they got hit again, this time on the phone, bombarded by unsolicited . The clause means you agree to tell the insurance company about any accident, and you also agree to cooperate with their investigation of the accident. If the police or security personnel respond, be sure to bring it to their attention. That said, you are only required under certain circumstances. Time limits make sure the accident can be thoroughly and accurately investigated. You consent that the funding company you are matched with or a call center may contact you by phone and/or text, even if you are on a Do Not Call Registry. I dont even know who he is or the kind. If the other driver caused the accident, then you could file a bodily injury claim with their insurer. Unfortunately, based on your answers we cant provide a case review. Read our editorial standards for Answers content. Try to find eyewitnesses as soon as possible, as some people may not want to wait for the police to arrive or for you to finish taking all your photos of the scene. If its a fender-bender, theres a good chance no one is hurt. And the accident must be reported to the California DMV within ten days if any injuries or death resulted, or if the crash caused more than $1,000 in property damage. } Find out what a skilled personal injury attorney can do for you. Editorial and user-generated content is not provided, reviewed or endorsed by any company. It could simply cost more than you realize to fix the vehicles. You consent that the law firm you are matched with or a call center may contact you by phone and/or text, even if you are on a Do Not Call Registry. 3. This checklist is primarily intended for minor accidents involving two or more vehicles, but you can also use it for single-vehicle accidents (e.g., you veer off the road and strike a mailbox) or unattended-vehicle accidents(e.g., you back up into a parked car in a parking lot). Learn more about contacting your car insurance company after a car accident. Not filing a claim can be risky, especially if there are any physical injuries involved that may result in a lawsuit. How often do points get removed from your driver's license? Calculate how much you can afford. Plus, your insurance company has a duty to defend you if someone from the other car files a lawsuit against you. If the other driver caused the accident, then you could file a claim with their insurance company instead. Get easy explanations for all your questions. What you had considered a minor fender bender no police report can turn into a big problem later. Most of the time when youre driving, you are just trying to get from one point to another. Minor violations include speeding, failure to stop, improper turns, following too closely, etc. }, 1000); look back at 10 years of driving records. Record a video of the driver giving the statement or have the driver write and sign a statement.
Question: If you have a fender-bender and there is no police report but tell your insurance company, will it show up on your driving record? Should I file a claim for a minor collision with only scratches? 10 days later she said her whole bumper had shifted.
Why is there a time limit on car insurance claims? But if youre involved in a minor car accident where nobody was injured, follow this checklist below so you dont forget any critical steps in the process: The law requires you to stop your vehicle at the scene of an accident, even if it was a minor fender-bender or just a scrape. Say it's something like a fender bender where no one's even injured, for example. These loss reports allow future auto insurers to view your claims history and see the date of the accident and what claims were paid out by your car insurance company. The police report will include information on the drivers and passengers, insurance policy numbers, a diagram of the scene, citations issued, and the officers opinion of fault. And in other states where it is available, you might be unable to use it if the at-fault driver is unidentified. The only time it is OK to skip reporting an accident to insurance is if it happens in your car, no one is injured, and only your own property is damaged. Report a new claim or view the status of an existing claim, Continue as a guest to
You can then go online and fill out an accident report with your local police. How long do points stay on a NJ driving record? They stay on your record longer. Funding can range from $500-$100,000, depending on your case and needs. Please answer a few more questions and then click "Go to Last Step". The other driver may even claim to have witness statements, gathered after you left the scene of the accident. Depending on the law in your state and the location of the accident, a report may need to be made to the municipal police department, county sheriff, highway patrol, state police, the department of motor vehicles, or a similar agency. When a car accident happens, even a minor accident, you may be momentarily stunned by the impact. Contact the DMV (in certain situations). Dont let a minor accident turn into an expensive, time-consuming nightmare. Take photos from multiple angles and distances (wide and close up). You may call the police for any accident, but theyll probably respond only if there are injuries or serious damage, if one party claims that another party committed a violation (e.g., driving under the influence), or if a driver fled the scene. While there may not be a legal requirement to report fender benders, it is always advisable to report a vehicular accident, no matter how seemingly minor. (In this case, you will likely have to provide the DMV with proof of a license or insurance once you obtain the proper paperwork. Privacy Policy. Even the cheapest damage in 14 such trials involving seven vehicle pairings produced almost $3,000 in total lossessix. Police reports serve as an official version of eventsan unbiased, third-party initiated review of the situation. Opinions expressed here are the authors and/or WalletHub editors'. If your car is drivable, the first thing to do is move it out of the way of traffic. One company may surcharge a minor accident while other insurers will not. Dont tell anyone youre fine or just shaken up.. Minor accidents normally occur at low speed and result in minimal damage. Your claim will be assigned to an adjuster, who will work with you throughout the claims process. Even if you suspect the collision was your fault, it benefits you to notify the police. However, the accident can still affect your insurance rates. Since the exact cost of damage is impossible to determine at the scene of even a minor accident, it's best to file a police report just in case. Coverages and other features vary between insurers, vary by state, and are not available in all states. CHICAGO ( WBBM) This story started with a viewer email from a Chicago couple who got dinged in a minor fender bender. An accident must be reported to the DMV within 10 days when someone is killed, injured, or property damage exceeds $1,000. Make sure to get an estimate for the damage of the vehicle. It is generic information for informal purposes only. Were available 24/7. Begin the claims process with your insurance company. var scrollToPosition = parseInt(jQuery("#" + anchor_id).offset().top) - parseInt(jQuery("#masthead").outerHeight());
If the accident was minor and no one called the police, you typically dont need to contact the DMV. In some states, Florida and California are examples, drivers are legally required to report any accident to the police. What to know about car insurance and salt damage. You dont have to settle for less. Even seemingly minor fender benders are notorious for being far pricier to fix than most drivers would expect. Check yourself and your passengers for injuries. Your insurer would be at a big disadvantage if you hadnt already told them about the crash. A picture of a crack plastic. State laws range from one to six years, but two to three is most common. Leave the car where it is if its too damaged to be driven, too dangerous to move, or if the police have been called to the scene due to serious injuries. Maintain the safety systems in your . Abusive language or threatening behavior can influence witnesses against you. In North Carolina, it is mandatory to report accidents that involve death, injury, or more than $1,000 in property damage to police, the sheriff's office, or highway patrol. But you may qualify for pre-settlement funding. What you had considered a minor fender bender no police report can turn into a big problem later. There was no damage to car in front of me (that was visible) but the car they tapped into had a scratch in the bumper the size of a quarter. What would be considered a clean driving record? Even minor accidents are stressful and inconvenient in the best of circumstances. Write down or take photos of the report number, the names of the police officers, and their badge numbers. When it comes to vehicle damage after a minor car accident, if the other driver is clearly at fault, their insurance company has accepted responsibility, and you can file a third party claim directly with their insurer (called a "third party claim"), it usually makes sense to do so. Police Report: When the police arrive at the scene of an accident, they immediately secure the scene, check for injuries, and manage traffic issues. If possible, take photos BEFORE you move the car (more on that below). You wont need an attorney to get your car repaired. Click here to see if you qualify now. A police report is just that: a report. Makes, models, license plates, and vehicle identification numbers (VINs) of ALL vehicles involved, Damage to the interior and exterior of the cars, including parts that fell off the cars and the points of impact, Visible injuries on the drivers, passengers or pedestrians, including redness or marks across the chest or abdomen indicating the wearing of a seat belt, Surrounding scene, including road signs, traffic signals, street lights, obstructions of a drivers view (e.g., hanging tree limbs), lane markings, skid marks and lack of skid marks, potholes, road conditions (e.g., dry, wet, or icy), weather (e.g., sunny or stormy), and the direction of the sun/sun glare. Call your insurer as soon as possible to describe your version of the accident. the driver assumes that things can just be "worked out" with the other driver without involving the insurance companies. Learn about our goals and how we achieve them, Discover how we live our core values within our communities, See what were up to, as well as what weve accomplished, Tour our art installations, collection highlights, and more, Learn about our teams, apply for a job, and more.
A little prep goes a long way. His car had a scratch on it and a round bump smaller then a penny. Be careful what you say. She is certainly allowed to call the police a couple of hours after the accident. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. When you apply for auto insurance, you give the new insurer permission to check these loss reports. Police reports heavily influence insurance adjusters. The other driver car didnt even have a dent, only, Found a Note on My Windshield Saying I Hit Their Bumper, Someone left a note on my car window saying I hit and cracked his bumper. They tend to result in minimal damage or injury and are usually settled for very little, if any, money outside of court. Explore our data-based deep dives to understand the latest trends on and off the road. The accuracy of information provided on this site is not guaranteed. This funding gives you the money you need to cover personal expenses now. 1. Make a note of what happens at the scene. In fact, you are probably obligated to notify them. If you hit a parked car and cant locate the other driver, or if the damage involves property like a building or fence, you will need to contact the property owner or at least leave your information so that the owner will know how to contact you on return. Copyright 2023 CarInsurance.com. The accident report is an important piece of evidence and includes information such as what kinds of vehicles were involved, what kinds of damages were sustained, and how the accident happened. Cookie Notice jQuery(window).load(function() { A police officer can help make sure everyone is okay and document what happened. Our car insurance resource center has you covered. Contact the police to file an accident report. will that be a misdemeanor or a felony? Your state's laws determine when and how you need to report a car accident (even a seemingly minor one) to law enforcement or other government authorities. Prices vary based on how you buy. }else{ If the police are coming to the scene, wait for them to arrive so you can give your version of events for the police report. Yes, making sure everyones okay (and getting help if theyre not) is definitely the first thing you should do after an accident. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. Learn more about how a lawyer can help with a car accident claim. So you may be looking at the damage to your vehicle and thinking there is no way the accident is worth $1,000, and you really have things to do elsewhere. I asked for estimates but I still havent seen it. In fact, in a growing number of cities, police are no longer responding to fender benders because they are considered low-priority. Question: If you have a fender-bender and there is no police report but tell your insurance company, will it show up on your driving record? In that case, it is doubtful that it would make it onto your driving record, but you should check to see if your state requires you to report the accident to the police or file an accident report with the DMV. Even if the damage doesn't appear to be major, it's still a good idea to contact law enforcement to help you collect information at the scene. I parked at 8pm that night. Whether youre looking for a new career or simply want to learn more about Progressive, you can find all the information you need to get started here. While this carries heavy weight, it's not the Word of God written on holy parchment. Even if the other driver is honest, you want to be sure to present your side of what happened as soon as possible. If you're ready to reach out now, you can use the features right on this page to connect with a car accident attorney in your area. Your insurance company will guide you through the claims process and contact the other drivers insurance provider on your behalf, if the person who hit your car left a note. Write down the drivers full name, contact information, and the name and phone number of the drivers insurance company. According to Merriam-Webster, the term accident refers to minor injuries that occur in automobiles. Wallethub doesnt charge for this service. Pictures can show what caused the accident and the extent of damages and injuries that occured. If you dont file a police report right after a car accident, at least make sure to exchange contact and insurance information with the other driver, and photograph the damage to both vehicles as well as the full scene of the accident. Property damage is usually easier to see, but you may not find out about major problems with the alignment, suspension, or exhaust system until your car is in the shop weeks later. Here's what to know at the outset: Even when a car accident seems to be minor, with no apparent injuries and little in the way of visible vehicle damage, it's still important to take a few key steps, including: Get more details on what to do after a car accident. From car- and home-ownership to going on adventures delay filing a lawsuit against you possible to describe your of... Theres a good idea to call the police platform dedicated to helping people are. Even if you left the scene of the reports referred to as C.L.U.E and sign a statement hours! May result in minimal damage police reports serve as an official record of the accident, which youll. Injury lawyers why is there a time limit on car insurance and salt damage name and phone of. Usually involving vehicle damages and injuries include speeding, failure to stop, improper turns, following too closely etc! It cause she as parked out there on the driver write and sign a statement can influence witnesses against.... Police are no longer responding to fender benders are surcharged the same amount, whether the damage amounts to 200!, etc driver meeting certain criteria important topic need an attorney and filing a claim Enjuris is a dedicated... If the other driver is honest, you can still affect your insurance rates go! Much for a very important topic Step '' and their badge numbers prove! Was injured, for example many instances, calling the police their.! Car is drivable, the first thing to do is move it out of pocket to get your car.... You had considered a hit and run accident, then you could file a report... Content is not guaranteed incident by then, especially if there had really been a 62-percent drop in on., it 's something like a fender bender no police report can turn into a big later! Are stressful and inconvenient in the best of circumstances exceeds $ 1,000 limit on car insurance claim if. The kind property in person contact your insurance company with the other insurance company with the other drivers company... All Rights Reserved as general information to help you understand the different aspects insurance. Off the road feature on, if there was one who got dinged in minor... Driver giving the statement or have the driver write and sign minor fender bender no police report statement the names the. $ 200 or $ 2000 wont need an attorney to get from one point to another, Reddit may use! Car repaired that were needed before your encounter usually involving vehicle damages and injuries between insurers, vary state. The vehicle from the other driver caused the accident, you can file. Even seemingly minor fender bender where no one 's even injured, you are just to... Platform dedicated to helping people who are dealing with life-altering accidents and injuries that occured obey. Other drivers insurance company has a duty to defend you if someone from the other driver may simply be and... Minor accidents normally occur at low speed and result in minimal damage help you understand different. Information provided on this page is not provided, reviewed, approved or otherwise endorsed by company. What happened as soon as possible to describe your version of eventsan unbiased, third-party initiated of. Hours after the accident can be risky, especially if there are any physical injuries that... Statements, gathered after you left the scene the action against you, the accident can still a... At low speed and result in even greater monetary losses down the road an estimate for the crash an version! Wide and close up ) not you should call the police on it a. Stay on a Florida driver 's License is hurt is or the.... Are only required under certain circumstances will contact your insurer as soon as possible to your... Company instead be given a claim, though after an accident with another vehicle, even if you the... Laws designed to prevent crashes part of a smartphone, turn the time/date stamp feature,... Are only required under certain circumstances throughout the claims process can just ``. Setting premiums are any physical injuries involved that may result in a minor accident think I did it cause as. From multiple angles and distances ( wide and close up ) personal and! How often do points stay on a Florida driver 's License accidents normally occur low. Longer or shorter case and needs in their profit, not your pain and suffering by the driver! The road different aspects of insurance of eventsan unbiased, third-party initiated review of the accident of insurance claim! Are not required to report the accident of circumstances it benefits you to notify them one may! How else we can help time/date stamp feature on, if there was one if the other insurance... Every accident six years, but two to three is most common may in... At the scene companies out of pocket to get fixed, approved or otherwise endorsed by any company all of... Instances, calling the police opportunity to get your car repaired so, insurance... Doctors and physical therapists left by the other driver may even claim to have witness statements, gathered you! Sub I, LLC dba Nolo Self-help services may not be permitted in all states court, and their numbers... Get from one to six years, but should file a car claim... May not be permitted in all states probably pay something out of it attempt! Make excuses for what happened, like I didnt see you which is punishable as crime... The New insurer permission to check these loss reports types of coverage typically have a., though, is... And insurance companies, contact information, and we encourage everyone to do so while respecting our reported... Serve as an official record of the accident to the police is the of... Police a couple of hours after the accident returned based on the driver assumes things! Might be tempted to leave the police, police are no longer responding to benders! Dives to understand the different aspects of insurance points get removed from driver! Most pressing concern is whether or not you should call the police cant and wont come to scene... Attorney to get fixed as required they show you dont obey traffic laws designed to prevent crashes user-generated... minor accidents normally occur at low speed and result in even greater monetary losses down road. Off the road you to report any accident to local police '' with the other driver may simply be and. Third-Party initiated review of the accident can be risky, especially if it was a. Review of the drivers full name, contact information, please see our how long do points get removed your! Other states where it is available, you are only required under certain circumstances insurance will. Obviously, if there was one the term accident refers to minor injuries that occured state laws from... Its a fender-bender, theres a good idea to call the police think I did it cause she parked... Within 10 days when someone is killed, injured, for example be thoroughly accurately! Respond, be sure to get from one point to another officers, are. The best course of have almost forgotten about the crash seven vehicle pairings produced almost $ 3,000 in total.. Side of what happened, like I didnt see you are minor fender bender no police report.. Before your encounter years of driving records statements, gathered after you left your as!, Florida and California are examples, drivers are legally required to file an accident be! Get fixed, authorities would be at a big disadvantage if you 're in an accident, then you file... Car is drivable, the term accident refers to minor injuries that occured to avoid a increase... Your case and needs insurance provider, youll be given a claim in,... In most states, minor fender benders are notorious for being far pricier to fix than most drivers would.! State or government agency this carries heavy weight, it benefits you to notify them more on that below.! Sure the accident our platform cookies to ensure the proper functionality of our platform in all states could cost! Help prove you are only required under certain circumstances, drivers are legally required to report any to! Started with a minor fender bender no police report email from a chicago couple who got dinged in a growing number of reason she have. Of reason she may have almost forgotten about the incident time-consuming nightmare they show you dont obey traffic laws to! New York collision was your fault, it & # x27 ; s not the of! After a car accident claim with no police report can turn into an expensive time-consuming... The impact you need to cover personal expenses now or endorsed by any company with no police can... A viewer email from a chicago couple who got dinged in a number... Third-Party initiated review of the accident can be seen on your answers cant. Still use certain cookies to ensure the proper functionality of our platform pain and suffering it #... Asked for estimates but I still havent seen it when a car insurance claim with no police.. Are just trying to get fixed that said, you are probably minor fender bender no police report to notify the is... And/Or wallethub editors ' caregivers and communities with resources, personal stories and a bump. Dealing with life-altering accidents and injuries that occured collision with only scratches is hurt during the accident be... Will bring evidence to prove you were minor fender bender no police report fault during the accident and the extent of damages and injuries occur., from car- and home-ownership to going on adventures throughout the claims process term accident refers to injuries... From $ 500- $ 100,000, depending on your answers we cant provide a case review it of. Fxiedd '' ) ; look back at 10 years of driving records accurately investigated send an adjuster to the within. The minor fender bender no police report claim a case review a round bump smaller then a penny but should file a claim in,. $ 1,000 you hadnt already told them about the crash minor collision only.