After a fender bender, you should pull over and call the police in order to file a report. You should also exchange insurance information with the other driver, take photos of the scene, and notify your insurance company after a fender bender. Even if the damage appears to be minor, you should still inform your insurer in case you or the other driver needs to file a claim in the future.
It’s important to treat a minor fender bender like any other accident. Damage or injuries might not be immediately visible, and if you don’t report the accident to your insurance company, they could deny you coverage if you or the other driver files a claim.
What to Do After a Fender Bender
- Move your car away from oncoming traffic and address any injuries.
- Call the police and file a report.
- Exchange insurance information with the other driver.
- Get contact information from any witnesses.
- Take pictures of the scene, damage to the cars and any injuries.
- Report the accident to your insurance company.
- File a claim if you are injured or your vehicle is damaged.
Filing a Fender Bender Insurance Claim
If you are at-fault for a fender bender, the other driver can file a claim with your liability insurance to cover medical expenses and the cost of repairs, up to the limits of your policy. In that same situation, you can file a claim to cover your own expenses with collision insurance or personal injury protection, if you have either type of coverage.
However, if you’re not at fault for the fender bender, you can file property damage and/or bodily injury liability claims with the other driver’s insurer. And if the at-fault driver is uninsured or does not have enough liability insurance to cover your expenses, you can file a claim with your uninsured/underinsured motorist coverage, if you have it.
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