It’s not a matter of “if” a car accident will happen, but “when.” Even if you’re a great driver, an accident can occur when you least expect it. The critical thing to remember is that you need to be prepared and act appropriately during and following the accident, whether it’s one that involves a minor car accident with no damage, significant damage, or an injury,

What to Do If You’re in a Minor Car Accident with No Damage

Exchange Information

If you’ve experienced a minor car accident with no damage, you don’t need to get a police report. That said, you may want one in the event the other party doesn’t remember that they hit you and recalls later that you hit them.

Even if the accident might not appear significant and no injuries or damage is involved, you should exchange contact information (including driver’s license numbers) and insurance information with the other motorist. Also, take note of the make, model, and license plate number of the other involved vehicle. Use your cell phone to take pictures if you can. If you don’t exchange this information, you might not have legal recourse if you decide to file a claim afterward.

Important to Note:

If you’re confident that there’s no damage to your vehicle, you could consider waiving a claim. Consider talking to your insurance provider before coming to a final decision.

When to File a Police Report for a Car Accident

Arizona law requires that a car accident is reported by a police officer whenever it involves injury, death, vehicle damage, or property damage that adds up to at least $1000. If you’re unsure if the car accident involves an injury or damage that’s $1000 or higher, it is recommended to err on the side of caution and file a police report. Having a police report can be useful and may simplify the claims process. It’s highly recommended that you contact your auto insurance company anytime you’re involved in a car accident. Whether or not you’re lawfully required to file a police report will depend on the particular state’s laws.

Important to Note:

There are several reasons you should file a police report. You and the other driver involved will most likely be making a claim with your insurance companies. Having a police report will help the insurance companies sort out the events.  On top of that, even with minimal vehicle damage, the other driver may later claim damage or severe injuries. A police report can be invaluable in these disputes because insurance companies consider police officers to be impartial and trustworthy. Also, in the unlikely event that the case ends up going to court, a police report can be the verdict’s deciding factor.

If you’ve been involved in a minor car accident and want to make sure no unforeseen problems with your vehicle have occurred, contact us today.