What To Do When You're In a Fender Bender

According to insurance experts, the average driver will end up in a car accident about once every 18 or so years. This means most drivers will have three or four accidents over the course of their lifetime. Whether you’ve been involved in an accident or not, even a minor accident is a scary experience. Maybe you’re a lucky exception to the above statistic, but it never hurts to be prepared in case something goes wrong. So, what should you do if you’re involved in a minor accident? Follow these steps.

Before you leave the scene...

The most important thing you can do at the scene of an accident is to gather as much information as possible. If another person was involved, you’ll want to take down their:

• Name, phone number, and driver’s license number
• Insurance information
• License plate number and vehicle info (make, model, color)

You should also take photos of any damage to both your vehicle and theirs. Photos can help support your insurance claim.

If there wasn’t another person involved but property (such as a fence, pole, etc.) was damaged in the incident, take a photo of that too. Lastly, if you happened to hit a parked car, it’s courtesy to leave your info on the damaged vehicle.

Do you really have to file a police report?

It’s normal for police to arrive on the scene of a major accident, but what about a minor one? Some states legally require drivers to make a police report, and it can help if you’re filing a claim with your insurance. Often, it’s in your best interest to report fender benders to the police. Plus, you don’t want police to think you fled the scene of the accident, as this can result in hefty fines or even jail time if another person was injured. A few minutes of your time can make sure you’re protected in the long term.

When should you file an insurance claim?

Depending on the severity of the accident, you may need to file an insurance claim to help with repairs. However, you first need to figure out whether you can file a claim. Depending on your deductible (the amount you’re responsible for paying before your insurance kicks in) you might have to foot the bill. A scratch or dented bumper probably won’t cost enough to meet your deductible, meaning you probably won’t be able to expect help from your insurance.

...Should I get a lawyer?

For most fender benders, you probably won’t need an accident claim lawyer. But in the unfortunate event that the other party makes more serious claims, you might need legal help. A lawyer can help you fight false claims—for example, if the other person tries to say you caused more damage or injury than reported.

If an accident claim lawyer calls you, you don’t have to speak with them directly. In fact, it’s usually better to let your insurance provider handle the situation. Most insurance companies provide a lawyer to fight on your behalf.

The bottom line is that protecting yourself in the event of an accident begins at the scene. With careful documentation, you can make a stressful time easier and get back on the road more quickly.

Not sure how well you’ll be covered in an accident? Let us help you find better coverage in minutes.