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Should I Report a Car Accident

Should I report a car accident? If you are asking this question, it is probably because you were involved in a minor car accident in which there were no injuries and very little if any damage to either vehicle.

You should keep in mind that what appears to be minor damage to your vehicle can prove to be costly and expensive. Car repair bills are usually far more than you think they are going to be.

Obviously, if anyone is seriously injured in a car accident, you should report the accident to your insurance company. Even when an injury appears to be minor, it should still be reported to your insurance company.

Soft tissue injuries


The reason for this is due to the fact that some common car injuries, such as soft tissue injuries that result from whiplash, may not appear and be fully manifested for days or even weeks. In addition to this, confusion and adrenaline can hide the seriousness and degree of an injury.

A person may think that they are not hurt, only to discover in a few days that they are having severe neck or back pain resulting from the accident. Because of this, the wise thing to do is to report any injury, no matter how small or minor it appears to be.

But, what if there are no injuries, and the only damage to either vehicle is a scratch or a dent. Should you report the car accident to your insurance company?

A clause


Most car accident insurance policies include a clause that says you have to report any and all accidents to the insurance company. However, there are circumstances in which it is hard for an insurance company to hold you to this.

For example, you and the other driver may decide not to call the police to the accident if there are no injuries and the damage to either vehicle is only a scratch or a dent. Even if the police are called to the scene of the car accident and a police report is filed, many police precincts do not send the information to the car insurance company.

So, should you report every car accident you have to your insurance company? If, there are no injuries and there is little or no apparent damage to either vehicle, you may not need to report the accident to your insurance company. However, if there are injuries, no matter how minor they seem to be, as mentioned earlier, the wise thing to do is to report the accident to your insurance company.

May not need to


If your car accident only involves your vehicle, is a one car accident, you may not need to report the accident to your insurance company. For example, if you back into a garage or a fence.

However, for most car accidents, you should report the accident to your insurance company. Bad consequences may result from not reporting a car accident to your insurance company.

If you have any questions, you ought to contact a personal injury attorney and have your case evaluated at no cost or obligation to you.

Article written by James Shugart

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