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Should I Report a Fender Bender?

Andy Mohr Collision Center Blog

Posted: March 13, 2019

So, you’re sitting in traffic and you suddenly feel a bump from behind you. Now, it’s time to check out what’s going on. You probably get out and find that your car looks fine, so you and the your new fender bender buddy agree that insurance doesn’t need to get involved and you move on.

Does this scenario sound familiar to you? If so, you’re likely wondering as to whether or not you should get that stranger’s information. To help Plainfield, Indianapolis, Fishers, and Bloomington drivers, Andy Mohr Collision Center has compiled this information on if you should report a fender bender.

When Is It Best to Report an Accident?

Most of the time when drivers think they need to report an accident, it’s because they see noticeable damage. Some drivers may even be OK with some minor visible damage, thinking that it’s just a dent in the vehicle’s sheet metal. Generally speaking, it’s important to report all accidents you have with other people or property.

Many people are hesitant to report fender benders because they don’t think the damage will be that costly. The thinking behind this is usually that drivers don’t want to have their insurance providers increase their rates. However, once you leave without that stranger’s information, you may find yourself with costly body work with no chance of insurance.

To avoid that, it’s best to make an insurance claim regardless of the severity of the accident. The possible damage done to your vehicle may hit your wallet harder than the possible rise in your premium.

Will Your Premiums Rise?

It depends on several factors, so there’s a chance they could rise but there’s a possibility they might not. It partially comes down to who’s at fault, which can sometimes be muddy, but if you just get rear ended at a stop light, you can be pretty sure about where you stand.

Fault can be affected by what state you live in and what company is insuring you. However, if you aren’t at fault, your premiums will at the very least increase less. Another factor to consider is the actual cost of the repair. In many cases, insurance companies won’t increase your premium much or at all if your repairs are small enough.

In general, it’s always a good idea to contact your insurance company in the event of a collision. The only time you don’t need to report a fender bender is if you damage your own property with your own car. However, if someone else is involved in an accident, it’s always important to report it to your insurance provider.

Visit Our Collision Center

Fender benders can raise a lot of questions, but there’s one thing you should be sure of: contact your insurance provider. If you’re a Plainfield, Indianapolis, Fishers, or Bloomington driver, making an insurance claim will get you the care you deserve.

Have you been in a fender bender recently? Schedule a service appointment with us at Andy Mohr Collision Center today!

Andy Mohr Collision Centers