What should I do after a fender bender? This question is about Car Insurance

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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What should I do after a fender bender?

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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.

Answer Question

Should you file an insurance claim after a fender bender?

Yes, you should file an insurance claim after a fender bender if the cost of the damages to your car are higher than what you're able to pay out of pocket. However, if the damage costs less than your deductible, you should not file a claim since you'll need to pay for the repairs out of pocket anyways.

You should consider how filing a claim could affect your future premiums. If you've already filed another...

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What information do you exchange after a car accident?

After a car accident, you exchange the information listed on your insurance card. The National Association of Insurance Commissioners advises that you only provide the information that is required by law because of the risk of identity theft.

Information that is safe to provide:

Full name
Policy number
Insurance company
Contact phone number for your insurance company

If the other driver is pushing for more of your personal information, it...

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What is a salvage title?

A salvage title is a title issued for a car that an insurance company has declared a total loss, meaning the vehicle is too damaged to be worth repairing. The salvage title will stay in place unless the car is repaired and inspected, after which the driver can get a “rebuilt” title and legally drive the car again.

After it’s damaged, a car could also be designated “non-repairable” or issued a “junk” title. That would...

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