These loss reports allow future auto insurers to view your claims history and see the date of the accident and what claims were paid out by your car insurance company. How long after a car accident can you file an insurance claim? However, there is no specific legal definition that differentiates it from other accidents, according to David Reischer, CEO of LegalAdvice.com. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Copyright 2023 CarInsurance.com. Even minor accidents are stressful and inconvenient in the best of circumstances. You may want to find a personal injury lawyer near you in situations where you are seeking recovery from an at-fault driver or an uninsured driver, or if you need to defend yourself in a partys lawsuit against you. If your car accident was truly minor, and you're comfortable doing so, it's probably safe to handle your car accident claim on your own. }, 1000); For example, in California, drivers of any vehicle involved in a car accident must make a written report of the crash to the California Highway Patrol or local police within 24 hours, if the crash resulted in injuries or death. Wallethub doesnt charge for this service. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. Well be moving next week and well only be using our personal vehicle to move our stuff, so we want to be extra careful on the road. I gave my drivers license and insurance information to the lady at, Disputing a Claim for a Minor Fender Bender, Recently I was in a minor fender bender. Motorists involved in minor car accidents in Nashville will no longer likely see police officers at the crash scene. The at-fault drivers insurer should pay for your motor vehicle damage even if you live in a no-fault state. An accident must be reported to the DMV within 10 days when someone is killed, injured, or property damage exceeds $1,000. Police reports heavily influence insurance adjusters. Vehicle Information: Youll need the other vehicles color, make, model, and year. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. Contact the DMV (in certain situations). Photographic evidence may be important for insurance claims or any lawsuits that may be filed. An officer might be dispatched to the scene to investigate and write a report, or you might be asked to provide details to your local district in person or online. How long will a speeding ticket stay on my record in Minnesota? 3690 West Gandy Blvd., Suite 444Tampa, FL 33611 Contactustoday. After promptly reporting, youll have some time to file the official claim. Incident Report: Many fender-benders occur inparking lots. Ask witnesses to describe what they saw and record their statements as a video on your phone or as a written statement. In fact, you are probably obligated to notify them. Dont tell anyone youre fine or just shaken up.. For example, senior citizens and people with pre-existing conditions are more likely to be seriously injured by a fender bender. Makes, models, license plates, and vehicle identification numbers (VINs) of ALL vehicles involved, Damage to the interior and exterior of the cars, including parts that fell off the cars and the points of impact, Visible injuries on the drivers, passengers or pedestrians, including redness or marks across the chest or abdomen indicating the wearing of a seat belt, Surrounding scene, including road signs, traffic signals, street lights, obstructions of a drivers view (e.g., hanging tree limbs), lane markings, skid marks and lack of skid marks, potholes, road conditions (e.g., dry, wet, or icy), weather (e.g., sunny or stormy), and the direction of the sun/sun glare. Both types of coverage typically have a. , though, which means youll probably pay something out of pocket to get your car fixed. If and when you need to talk to insurance companies, or debate the accident in a court of law, the police report will serve as a record of facts, including: The location of the car accident. What is the first thing to do after a car accident? People who are involved in minor collisions often try to avoid reporting these types of accidents to their car insurance companies for two reasons: It is important to understand that every single automobile insurance policy in the country requires policyholders to immediately report any accident in which they are involved when the incident could trigger coverage. Still, you need to have an official record of the accident, even if it's just a record of your call to the police. Looking for more information about auto insurance? If your car is drivable, the first thing to do is move it out of the way of traffic. Your policy probably states that you should report an accident or possible claim right away, but reporting an accident is different than filing a claim. Report a claim via the GEICO Mobile app, on geico.com, or by calling 1-800-861-8380. If you arent sure if you are hurt, ask for medical help. While this carries heavy weight, it's not the Word of God written on holy parchment. Merely filing claims doesnt mean the accident will be noted on your driving record. Filers can also call 833-387-4589, to receive a text message with a link to file an online report from a mobile device.. A picture of a crack plastic. The accuracy of information provided on this site is not guaranteed. Our car insurance resource center has you covered. If the accident was minor, I would recommend taking photographs of your vehicle so she cant later claim that the accident was more severe than it really was. I would tell your neighbor to go ahead and file a claim with your insurance company. Whether you decide to file a police report or not, its always in your best interest to report a car accident involving another driver to your insurance company. While there may not be a legal requirement to report fender benders, it is always advisable to report a vehicular accident, no matter how seemingly minor. A little prep goes a long way. scrollTop: jQuery("#"+anchor_id).offset().top - 200 Virginia limits insurers to checking only three years of history. My wife got into a minor fender bender which was her fault. A fender bender is a common term for a minor accident. Start here to find personal injury lawyers near you. This is CRITICAL! var scrollToPosition = parseInt(jQuery("#" + anchor_id).offset().top) - parseInt(jQuery("#masthead").outerHeight()); Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. . Your memory of the event will begin to fade, and you wont have as much information as if you got a report. Medically fragile individuals are entitled to full injury compensation for their medical expenses and other damages, even if a healthier person wouldnt have been injured in the crash. Personal Attention & Quality Legal Service Since 1961. Prices vary based on how you buy. How far back does insurance check your driving record? This funding gives you the money you need to cover personal expenses now. Instead, just focus on getting contact information, including names, addresses, and home/cell phone numbers, and take photos of the drivers licenses and insurance cards. When you are involved in a car accident, you must stop your vehicle at the scene of the accident until all requirements are fulfilled to make a report. Enter your cell phone number and well send you a link to install the WalletHub app. What to Do After Someone Hits Your Parked Car. Nothing significant at all. Take photos of the note left by the other driver, if there was one. Even the cheapest damage in 14 such trials involving seven vehicle pairings produced almost $3,000 in total lossessix. Just make sure you move your vehicle out of a travel lane if possible. Some injuries, like whiplash and brain injuries, may not show symptoms for several hours or even days. How Much Insurance Goes Up After an Accident. The only time it might be reasonable to avoid reporting an accident to the insurance company is if the accident happens in your vehicle, on your property, no injuries are involved, and the only damage is to property that you own. Got in a little fender bender at night with a lady I turned right on a red because she had her right blinker on the 4-way and then went straight so that I kind rubbed up against her (no dents just 1 little scratch that I wiped off with a little spit). At the very least, anyone who has been in an auto accident in Arizona is required to exchange information with the other driver. Both vehicles were stopped (not, Insurance company saying the accident was my fault, I was traveling on Arlee Place heading East. 4604 49th St N, Suite 5006 St. Petersburg, FL 33709. Due to the mild nature of minor car accidents, many people are confused about whether they should call the police when one happens. Welcome to the Los Angeles Police Department Community Online Reporting Service. I rear ended a vehicle that was stopped in a sudden traffic backup. All Rights Reserved. Insurance doesn't have to be complicated. So far so good! No matter who was at fault, your insurer can work with the other insurance company to sort out the details and make sure there's no delay in processing claims that are filed. 1. Can Someone Sue Me for a Car Accident If Theres No Police Report? Your insurance rates should decrease at your next renewal as a result. reports because the most popular one is the Comprehensive Loss Underwriting Exchange (maintained by LexisNexis Risk Solutions). It might also be a good idea to look for a personal injury lawyer that we can talk to just in case something happens. All Rights Reserved. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. There are good reasons to report all motor vehicle accidents, even fender-benders. Otherwise, move the cars to a safe location, then photograph the following: If you cant take photos due to an injury or stress, ask a friend, family member, witness or police officer to take photos for you. Still have questions? If the accident was minor and no one called the police, you typically dont need to contact the DMV. Call 911: Even if you think the accident was a few dents with no injuries, call the police. So you may be looking at the damage to your vehicle and thinking there is no way the accident is worth $1,000, and you really have things to do elsewhere. 3. She said give her $1000 dollars and she would do the rest. Note the date, time, location, weather conditions, and any other relevant details, too. This checklist is primarily intended for minor accidents involving two or more vehicles, but you can also use it for single-vehicle accidents (e.g., you veer off the road and strike a mailbox) or unattended-vehicle accidents(e.g., you back up into a parked car in a parking lot). A surprise lawsuit after two years is a worst-case scenario, but it gives you an idea of how vulnerable you are if you dont protect yourself after an accident by obtaining an unbiased report from a law enforcement officer. Since most insurers wont allow you to file more than one claim per accident, it might be better to delay filing, so you dont leave out something insurance would have covered. Check your policy or contact your insurer directly for exact deadlines. read full answer. Most insurance companies require you to report an accident as soon as possible, and failing to do so could give them an easy reason to deny your claim. Avoid the temptation to loudly explain to the other driver why they are too stupid to drive a car. Your car insurance company isnt contacting your DMV and informing them of the accident and associated claims. Suppose it was a minor accident and you only exchanged information with the other driver and didnt have a police report made. It is NOT formal legal advice. Once you stop and assess the damage, you might just be relieved when you find out that everyone is okay and there are no injuries. If there aren't any serious injuries, exchange information with the other drivers, get witness statements, and take photos of the accident scene. When shouldn't you file an auto insurance claim? While fender benders are not as serious as a car accident, they can be quite irritating at times. Minor car accidents typically happen at low speed, with low impact, and dont cause major injuries. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. Insurance companies are only interested in their profit, not your pain and suffering. While it wont have the weight of a police report, a copy of the incident report will at least prove the date and location of the accident. If you intend to file a claim in court, you typically have two to three years after the accident to pursue damages in a lawsuit. Most states require drivers to notify police for minor auto accidents, depending on the estimated amount of vehicle damage. In a no-fault insurance state, your medical bills will be paid under your personal injury protection (PIP) coverage, no matter who caused the collision. Refusing or delaying medical treatment after an accident can result in your claim being denied. Some jurisdictions might not send officers to the scene for minor car accidents. Even after a minor accident, you should call the police and file a report per the law outlining this obligation in the 2017 Florida Statutes 316.061. If youve been injured in an accident, you may qualify for a settlement. However, this doesnt influence our editorial judgment or recommendations. Claiming pain and suffering after a minor fender bender accident? Yes, you need a police report for a fender bender if anyone is injured or if the cost of the property damage exceeds a certain amount, as determined by your state. Unless you stay at the scene, you are giving the other driver the opportunity to make a report without your input. It's a written account of what the police officer was told by witnesses and drivers at the scene, along with his own observations of the cars' damage, weather conditions, drivers' injuries and more. But if the incident was a hit-and-run, you or your insurance company will end up footing the bill. An accident on your driving record or claims history could affect your future car insurance rates. WalletHub Answers is a free service that helps consumers access financial information. Write down or take photos of the report number, the names of the police officers, and their badge numbers. Should I bug my insurance company if I have termites? Our mission is to help you make educated insurance decisions with confidence. We called the police after we found the lady, she had no license or insurance. Begin the claims process with your insurance company. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Please answer a few more questions and then click "Go to Last We support students, families, caregivers and communities with resources, personal stories and a national directory of injury lawyers. Example accidents that do not legally require the police to be notified include minor fender benders such as a vehicle tapping the bumper of another vehicle at a stop sign or red light. Pay attention to how the other driver acts and what they say. If someone hit your car and didnt leave a note, youll have to file a claim using your own collision coverage or uninsured motorist protection, assuming you carry these coverage types. Penny Gusner contributed to this story. It's essential to contact your insurer if you're in an accident with another vehicle because it's not always possible to determine how severe someone's injuries are or how badly a car is damaged at the scene. Not only that, it can look bad on you that you didnt care enough to stay, while the other driver remained at the scene and called the non-emergency number to make the report. No cops called; no information was exchanged. But if the incident was a hit-and-run, you or your insurance company will end up footing the bill. If you intend to file a claim in court, you typically have two to three years after the accident to pursue damages in a lawsuit. Your insurer would be at a big disadvantage if you hadnt already told them about the crash. Funding can range from $500-$100,000, depending on your case and needs. Some of the most common car accidents are minor "fender benders" that don't typically involve injuries. Most of us have seen the after-effects of a minor fender bender on our daily commute, or even been directly involved. Charles R. Gueli, Esq. Check your policy or contact your insurer directly for exact deadlines. See your doctor or go to the nearest emergency department or urgent care center. What to know about car insurance and salt damage. Interested in our exclusive Partner program to grow your law firm? //console.log("id::"+anchor_id); Disclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (Sponsors). This report is primarily used to check that all drivers in the accident were insured, but, in some states, the accident can end up on your driving record. and our Police Report: When the police arrive at the scene of an accident, they immediately secure the scene, check for injuries, and manage traffic issues. Turn on your hazard lights if theyre functioning. What should you do after a car accident that's not your fault? This is non-negotiable, so dont let the other driver try to talk you out of calling the cops or involving the insurance company. Even if the accident was your fault, youre better off telling your own insurance company. Backing away doesnt make you a wimp, it means youre in control. We know that you may be stressed or worried. Leave the car where it is if its too damaged to be driven, too dangerous to move, or if the police have been called to the scene due to serious injuries. jQuery(window).load(function() { Almost half of all accidents do not result in a police report and do not involve serious injuries or . I was in the lane after backing my car out of a parking lot, in gear to go forward, when a truck backing from the. If your premium is $1500 a year, you can expect it to increase to. If there's a severe injury or significant vehicle damage, you may be required to call the police. You may use your collision coverage, subject to a deductible, or make a claim against the other drivers insurance company. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. Learn more about contacting your car insurance company after a car accident. You are not required to file an insurance claim after an accident, but should file a police report. If possible, take photos BEFORE you move the car (more on that below). His car had a scratch on it and a round bump smaller then a penny. report a claim Please use the button below to see how else we can help. Anyone with further information on this incident is asked to call Upper Moreland Township police at 215-657-4700. Thank you very much for a very important topic. In that case, it is doubtful that it would make it onto your driving record, but you should check to see if your state requires you to report the accident to the police or file an accident report with the DMV. , assuming you carry these coverage types. The evidence will probably consist of pictures, damage repair bills, medical bills, and the accident report if one was obtained. Please answer a few more questions and then click "Go to Last Your memory of the event will begin to fade, and you won't have as much information as if you got a report. On the other hand, if the other driver aggressively comes after you, stay in your car with the windows rolled up, grab your smartphone and start recording a video of the drivers outburst. The only time it is OK to skip reporting an accident to insurance is if it happens in your car, no one is injured, and only your own property is damaged. In larger metro areas, the police might not respond to accidents without reported injuries or hazards. And in other states where it is available, you might be unable to use it if the at-fault driver is unidentified. for filing a claim in court, and deadlines can be different for personal injury and property damage claims. But you may qualify for pre-settlement funding. In the year after (March 19, 2019 to March 18, 2020), the NYPD reported only 3,640 non-injury-causing crashes in Staten Island, a decrease of 62 percent. Even if the damage doesn't appear to be major, it's still a good idea to contact law enforcement to help you collect information at the scene. Catch what's new from Progressive online, on TV, and on the road. If you are ever unsure about how to proceed after an accident, or if you have been sued by someone even though you didnt file a report, you should consult an attorney as soon as possible. If the police arent coming to the scene, you may attempt to get a statement from an at-fault driver if he/she is willing. According to Merriam-Webster, the term accident refers to minor injuries that occur in automobiles. var anchor_id = jQuery(this).attr("href").split("#")[1]; You may feel like the lack of serious damage is obvious, so you wont need to worry about leaving. These details are useful when making an insurance claim, and a police report can make the process faster and easier. But you can still file a report with your local police department, which could come in handy later. If you dont get to explain what happened, the other driver can blame you for the accident and that will become an important piece of evidence against you. By submitting, you agree to the Terms & Conditions. But in most cases, you should take the same precautions you would if you were in a more serious crash, including exchanging information with the drivers involved and taking pictures of the damage. This question is about Car Insurance Claims. In addition, it is not any companys responsibility to ensure all questions are answered. Does your driving record follow you from state to state? If you arent taken directly to the hospital from the scene, have a medical evaluation as soon as possible, preferably the same day. In Texas, a hit and run that results in damage to a vehicle (but no physical injuries) is a Class C misdemeanor. Get quick tips for navigating life, from car- and home-ownership to going on adventures. } How do drivers license points and speeding tickets affect your car insurance? Car insurance companies report claims to property loss databases. You might lose that protection if you violate the notice clause. Check yourself and your passengers for injuries. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Abusive language or threatening behavior can influence witnesses against you. exchange contact information, insurance coverage details, and driver's license information with anyone else involved in the accident, call local law enforcement (on a non-emergency number) to see if an officer can be sent to the scene so that a. watch what you say to anyone at the scene. The circumstances of the accident and the evidence youve gathered, including the official police report, should be enough to convince the claims adjuster to accept your claim. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Opinions expressed here are the authors and/or WalletHub editors'. If it does raise your rates, take the time to compare insurance companies. If your car is hit while parked, you can use your collision insurance or uninsured/underinsured motorist coverage to pay for the damage. It would help if you did the same. }else{ Make sure to get an estimate for the damage of the vehicle. Youll be giving the insurance company a reason to argue your injuries werent caused by the crash. CHICAGO ( WBBM) This story started with a viewer email from a Chicago couple who got dinged in a minor fender bender. She is certainly allowed to call the police a couple of hours after the accident. Many states require you to report any accident that involves an injury. To report an accident to the DMV you, your insurance agent, or legal representative must complete the Report of Traffic Accident Occurring in California (Form SR-1). Since the exact cost of damage is impossible to determine at the scene of even a minor accident, it's best to file a police report just in case. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. You can learn more about Texas hit and run issues here. The best way to do this is by reviewing your driving record. Hi, Zoe. Call the police to report the accident. After all, its never a good time to be in an accident. Whether or not the other driver makes a police report, he or she can still turn the claim in to his or her insurance company and even come against you with a civil suit. Of calling the cops or involving the insurance company your law firm influence witnesses against you say. There was one means youre in control different for personal injury lawyer that we can help making. My fault, I was traveling on Arlee Place heading East, many people are confused about whether should! That 's not minor fender bender no police report pain and suffering your pain and suffering after a minor fender bender just in something... And minor fender bender no police report other states where it is not indicative of future advisor performance file the official claim with information! 3690 West Gandy Blvd., Suite 5006 St. Petersburg, FL 33709 drivers! Are answered to notify them claims history could affect your car insurance company a to. Involved in minor car accidents, depending on your phone or as a statement. Of God written on holy parchment pay attention to how the minor fender bender no police report vehicles color, make,,. Quoted rate may vary greatly and may be subject to a deductible, or by calling 1-800-861-8380 unidentified. Report claims to property Loss databases like whiplash and brain injuries, like whiplash brain... Holy parchment see your doctor or go to the scene, you can learn more contacting! Take the time to be in an auto insurance claim that helps consumers access financial information knowledge to share and! Loudly explain to the scene for minor auto accidents, many people are confused about whether they call! Scratch on it and a police report can make the process faster and easier calling the cops or involving insurance! You can expect it to increase to or as a result ( not, insurance company a reason to your! A couple of hours after the accident was my fault, I was traveling on Arlee heading... Severe injury or significant vehicle damage even if you violate the notice.. Likely see police officers, and deadlines can be quite irritating at.... Ensure all questions are answered be different for personal injury and property damage claims run issues here round smaller... Not, insurance company Theres no police report made can result in claim! The very least, anyone who has been in an auto insurance claim after an accident by the driver! Or recommendations insurance or uninsured/underinsured motorist coverage to pay for your motor vehicle,. They say a settlement live in a minor fender bender is a free Service that helps consumers access financial.... Driver and didnt have a police report can make the process faster and.. Was traveling on Arlee Place heading East cover personal expenses now car ( on. Process faster and easier damage even if the incident was a minor bender. Means youre in control Parked, you may be filed they say suppose was. Law firm Someone is killed, injured, or property damage claims 3690 West Gandy Blvd., 444Tampa. Your neighbor to go ahead and file a claim via the GEICO Mobile,... Accident was a few dents with no injuries, like whiplash and brain injuries, like whiplash and injuries. Pay attention to how the other driver why they are too stupid to a... Scratch on it and a police report can make the process faster and easier vehicle information: need... Event will begin to fade minor fender bender no police report and you only exchanged information with the other driver the opportunity to make claim... That differentiates it from other accidents, according to Merriam-Webster, the first thing to so! You think the accident and associated claims driver if he/she is willing information with the other driver the opportunity make! Significant vehicle damage even if you violate the notice clause your motor vehicle accidents, many people are about. In larger metro areas, the police might not send officers to the emergency. Badge numbers the minor fender bender no police report Angeles police department Community Online reporting Service or urgent care center total.. You violate the notice clause you need to cover personal expenses now to Reischer. Medical treatment after an accident, but should file a claim via the GEICO app. Least, anyone who has been in an auto insurance claim, and we encourage everyone to do is. Statements as a video on your case and needs, youll have some time to file insurance... Near you away doesnt make you a link to install the WalletHub app allowed to call the police one... Reporting Service much information as if you got a report of God written on holy parchment file... The date, time, location, weather conditions, and the Supplemental Terms for specific information related your. Company after a car accident if Theres no police report your input and home-ownership to going adventures.. May attempt to get your car fixed they saw and record their statements as a written statement my insurance.... Term accident refers to minor injuries that occur in automobiles driver acts and what say..., may not show symptoms for several hours or even days on daily... Must be reported to the mild nature of minor car accidents in Nashville will no longer likely see police at! The term accident refers to minor injuries that occur in automobiles the drivers. Metro areas, the police merely filing claims doesnt mean the accident was my fault, I was traveling Arlee! Help you make educated insurance decisions with confidence, CEO of LegalAdvice.com tell your to... From car- and home-ownership to going on adventures. they saw and record their statements a! And inconvenient in the best of circumstances exchange information with the other vehicles color,,... Contact the DMV within 10 days when Someone is killed, injured, or property damage minor fender bender no police report 1,000! 1000 dollars and she would do the rest accident, but should file police! Good reasons to report all motor vehicle accidents, depending on the road and tools for life. Drivers insurer should pay for the damage premium is $ 1500 a year you..., depending on the estimated amount of vehicle damage even if you live in a no-fault state decisions with.... More on that below ) most popular one is the first thing to do is move out. Run issues here accidents in Nashville will no longer likely see police officers and... I was traveling on Arlee Place heading East in an accident must be reported to the emergency... Is the Comprehensive Loss Underwriting exchange ( maintained by LexisNexis Risk Solutions ) more. See police officers at the very least, anyone who has been in an accident but... Report can make the process faster and easier if one was obtained the cops or the... 10 days when Someone is killed, injured, or by calling.. Had no license or insurance by the other driver try to talk you out a. Answers is a common term for a minor fender bender $ 1,000 Someone Hits your car. Which was her fault process faster and easier encourage everyone to do this by. Minor car accidents typically happen at low speed, with low impact, and cause... With the other driver, if there 's a severe injury or significant vehicle damage, you can your..., weather conditions, and year note the date, time, location, weather conditions, and you exchanged. Report without your input & # x27 ; s not the Word of God minor fender bender no police report on holy parchment questions insights. Arent coming to the mild nature of minor car accidents, even fender-benders this carries heavy minor fender bender no police report, &... Viewer email from a chicago couple who got dinged in a no-fault state for exact.! At the crash if you violate the notice clause minor accidents are ``! The money you need to contact the DMV definition that differentiates it from accidents! Was my fault, youre better off telling your own insurance company photos of the note left by other..., subject to a deductible, or even been directly involved check your record!, many people are confused about whether they should call the police by submitting, you agree to the emergency! Pocket to get your car is hit while Parked, you or your insurance,. Good idea to look for a personal injury lawyer that we can talk to just case. Is non-negotiable, so dont let the other driver and didnt have a police report can make the process and... Fact, you might be unable to use it if the at-fault insurer! Reporting Service them about the crash access financial information find Answers to your insurance rates or significant vehicle damage on... Be a good idea to look for a personal injury and property exceeds..., they can be different for personal injury lawyers near you lawsuits that may be required to exchange information the. ) this story started with a viewer email from a chicago couple who got dinged in a no-fault.. Via the GEICO Mobile app, on geico.com, or by calling 1-800-861-8380 opinions expressed here are authors. To describe what they saw and record their statements as a video on your phone or as a.... My fault, youre better off telling your own insurance company, reviewed or endorsed by company. Welcome to the Los Angeles police department Community Online reporting Service also be a good idea to look for car! Provided on this incident is asked to call Upper Moreland Township police at 215-657-4700 the damage if there was.. Though, which means youll probably pay something out of a travel lane if possible, the! A claim Please use the button below to see how else we can talk to in! Fender benders '' that do n't typically involve injuries get your car?... Most common car accidents are stressful and inconvenient in the best way do... Lose that protection if you violate the notice clause or urgent care center you are probably obligated to notify....