A minor car accident has happened to almost all of us. A minor car accident is when you are backing out of a parking space and think you have enough space but have misjudged. Now, you have slightly bumped the car in the back of you. There are no injuries caused to anyone and most likely no damage. So, is a minor car accident worth calling your insurance company and filing a claim?
Although some people may disagree, you should call your insurance company even if the accident is minor. There are a couple of reasons why you should speak the truth and let your insurance company know you have been in a minor car accident.
Damages that Occur Later Due to a Minor Car Accident
Whether or not you are the one who caused the accident, there may not seem to be any damage when you first look at your car, but later down the road your bumper may fall off randomly, your car starts acting up or you notice a few scratches. That is why you should play it safe and call your insurance company.
The Other Person May File A Claim
If you did not make a claim in time, the other driver might make a claim with their insurer, making it harder for your insurance company to defend you. Your insurance company is there to help you, so reach out to them as soon as possible. At this point, you may need legal assistance for a car accident claim if you want the claim to be resolved in your favor.
Insurance Company Logistics
If you do not file a claim in time, no matter if the accident was minor or not, your insurance company can claim that you did not provide them with a sufficient amount of time to investigate your claim. Waiting on making a claim with your insurance may lead you to pay out of pocket for damages caused to the other person’s car or if any minor injuries were caused to them. And, no one wants to be stuck with a hefty medical bill.
It is easy to think that there is no harm because your accident was minor. But, you never know what others might do in this situation or what problems may arise in the future. That is why it is essential to speak to your insurance company as soon as you can to file a claim and make sure that you are safe and protected legally.